Understanding the Importance of 137b Reports for Domestic Building Insurance Claims

When building or renovating a home, unforeseen issues can arise that require filing an insurance claim. In Victoria, the 137b report is a crucial document needed for domestic building insurance claims, ensuring that any defects or incomplete work are properly documented. If you’re a homeowner navigating insurance claims or a building dispute, understanding the role of the 137b report can make a significant difference in the outcome of your case.

Here’s a breakdown of why the 137b report is important and how it supports domestic building insurance claims.

1. What is a 137b Report?

A 137b report is an independent assessment of a building project that documents any defects, incomplete work, or areas that do not comply with relevant building codes. This report is often required when making an insurance claim for domestic building work that has not been completed, or when there are issues such as builder insolvency or defects.

The report is conducted by a qualified building inspector and provides an objective overview of the current state of the property.

2. When is a 137b Report Required?

In Victoria, a 137b report is typically required under the following circumstances:

• Builder insolvency: If your builder becomes insolvent and leaves the project unfinished, you’ll need a 137b report to lodge an insurance claim and get financial support to complete the build.

• Building disputes: When disputes arise regarding the quality or completeness of the work, a 137b report is used as part of the evidence in resolving the dispute.

• Defective work: If you identify significant defects in the building after completion, this report is necessary to file an insurance claim for repairs.

In these situations, having an accurate and detailed 137b report is essential for a smooth claims process.

3. What Does a 137b Report Include?

A 137b report provides a comprehensive assessment of your building, including:

• Defects and incomplete work: Detailed descriptions of any structural or cosmetic defects and unfinished tasks.

• Compliance issues: Areas where the work does not meet Australian building standards or local regulations.

• Recommendations: Suggested actions for rectifying defects or completing unfinished work.

This thorough inspection ensures that every aspect of the project is evaluated, giving you a clear understanding of the current state of your build and the basis for your insurance claim.

4. How a 137b Report Supports Insurance Claims

When filing a domestic building insurance claim, having a 137b report strengthens your case by providing an unbiased and detailed account of the defects or unfinished work. Insurance companies require thorough documentation to process claims, and a 137b report offers the proof needed to demonstrate that issues exist and require resolution.

For example, if your builder left the roof incomplete or there’s faulty electrical work, the report will highlight these problems, allowing the insurer to process your claim more efficiently and with greater accuracy.

5. Why You Need a Trusted Inspector for Your 137b Report

To ensure your 137b report is accurate and accepted by your insurer, it’s essential to hire a qualified and independent building inspector. A trusted inspector will conduct a thorough evaluation, ensuring that all issues are documented in detail and that the report complies with the necessary standards for insurance purposes.

At Inspection Hub, we specialise in providing detailed and reliable 137b reports to support homeowners through the insurance claims process. Our inspectors have extensive experience in identifying building defects and ensuring all issues are properly recorded, giving you the best chance for a successful claim.

Get a Comprehensive 137b Report for Your Insurance Claim

If you’re dealing with building defects or unfinished work and need to file an insurance claim, having an accurate 137b report is vital. At Inspection Hub, we provide professional building inspections and 137b reports that ensure all issues are thoroughly documented, helping you navigate the claims process with ease.

Contact us today to book your 137b report and get the support you need to resolve your domestic building insurance claim.