Your insurer has accepted the claim. But the offer leaves out repairs, uses a replacement value you cannot explain, or falls short of the quotes you have received.
Claimboost reviews the settlement, the evidence and the policy behind it. We identify what needs questioning and, if we take on your claim, deal with the insurer on your behalf.
Home and contents · Strata · Landlord · Motor · Business
The insurer has offered money to settle, but you cannot see how the amount will cover the accepted repairs or replacement.
Damaged areas, preparation, access or reinstatement work are absent from the insurer’s repair scope.
Your contents or vehicle appear undervalued, or the insurer has made deductions without a clear explanation.
Send the written offer and explain your concern. We can take an initial look and tell you whether a fuller review may help.
A low insurance settlement offer needs a breakdown. Which damage has been accepted? What work has been priced? What has been deducted? What remains your responsibility?
For a home insurance cash settlement dispute, we compare the offer with the repair scope, supporting estimate and any quotes you have obtained. The question is whether those documents describe the same job.
We look for differences such as:
A higher builder’s quote is useful evidence, but the difference needs explaining. A quote for a larger job cannot establish a shortfall by itself.
Cash settlement can also mean organising your own trades and managing the work. Ask how the proposed amount addresses the agreed repairs and what happens if further damage is discovered. The Insurance Council’s cash settlement guide explains the practical risks to consider.
Compare the accepted damage, priced work and settlement breakdown.
Check the affected areas, repair method and work needed to complete it.
An insurance scope of works dispute starts with what the repairer has been asked to do. If an affected area is missing, adjusting the labour rate will not fix the scope.
For example, a water damage scope might include painting a stained ceiling. Your evidence might raise a separate question about wet insulation or damaged material behind it. That needs investigation before anyone can say whether painting is sufficient.
We review the scope against photographs, reports and the insurer’s acceptance decision. Areas to check include:
We raise gaps in the assessment. Where the dispute needs a technical opinion, a suitably qualified building consultant, engineer or other expert may be needed. Claimboost’s advocacy review does not replace that assessment.
Whether particular work is payable depends on the damage, evidence and policy wording.
A replacement suggestion is only useful if it has been compared with the item you lost. A settlement deduction should have an explanation you can follow.
For a contents insurance payout dispute, we review the item description, model, specifications, supporting receipts and proposed replacement. A cheaper product may have different features. The policy’s settlement basis and any applicable item limits also matter.
For a car insurance payout dispute, we examine the valuation relied on, the vehicle details and the applicable policy basis. Comparisons should account for the relevant model, variant, age, kilometres and condition. Asking prices alone do not settle the question.
We also check how excesses, previous payments, limits and other deductions have been applied. A lower payout does not automatically mean the insurer has underpaid. The issue is whether the calculation is supported and consistent with the policy.
Item specifications, valuation evidence and deductions can change the calculation.
If the insurance payout seems too low, send us the written offer and the evidence behind your concern. We will explain whether Claimboost may be able to help challenge it.
The insurer acknowledges an affected area, but the scope or settlement contains no allowance for addressing it.
Your builder and the insurer’s builder have priced different quantities, materials or repair methods.
The proposed contents replacement or vehicle comparison overlooks details that could affect its value.
The amount changes after excesses, limits or other adjustments, without a breakdown showing how they apply.
You supplied an itemised quote, photographs or a report, but the insurer’s response does not address the specific differences.
If you engage Claimboost, we organise the evidence and put the disputed items to the insurer in writing.
“My builder’s quote is higher.”
“They have missed part of the damage.”
“This repair will not address the problem.”
“The contents replacement is cheaper.”
“The vehicle valuation seems wrong.”
“The deductions do not make sense.”
“They ignored my report.”
“They keep repeating the same amount.”
An initial look at the offer, available evidence and concern you want resolved. We explain whether further advocacy may be appropriate.
Review of the proposed payout, the calculation behind it and the relationship between the offer and accepted loss.
Comparison of the documented damage, insurer’s repair scope and competing quotes to identify material differences.
Review of the assumptions, descriptions and evidence supporting repair assessments, contents replacements and disputed valuations.
For claims we take on, we present the disputed items, request explanations and discuss the proposed settlement with the insurer.
Where appropriate, we help prepare the unresolved issues and supporting documents for an insurer complaint or AFCA process.
After months feeling lost in the maze of call centres and assessors, ClaimBoost has been a true lifesaver.
Deep expertise and clear guidance at every step, removing the stress that usually comes with insurance disputes.
Very helpful and knowledgeable in the complexities of insurance. I would recommend ClaimBoost.
Claimboost reviews disputed settlement offers by phone and online. Send the claim documents from wherever you are in Australia, including regional and remote areas.
We consider suitable home, contents, strata, landlord, motor and business insurance disputes. That might involve a body corporate questioning an incomplete common-property repair scope, a landlord disputing a loss-of-rent calculation, or a business questioning the damage allowed for in a property settlement.
The starting point is the same: what has been accepted, how has it been valued, and what evidence supports the difference you are disputing?
Tell us which insurer or insurance brand is handling your claim. You can submit an offer involving names such as:
The name on the policy does not determine whether we can assist. We review the policy, written offer, claim history and available evidence before confirming suitability. If your insurer is not listed, you can still request a review.
Claimboost is independent of these insurers and brands. Names are included for identification only and do not imply affiliation, endorsement or a finding that an insurer has underpaid a claim.
Show us what the insurer has offered and where you believe it falls short. We will take an initial look and explain whether there may be a reason to challenge it.
Useful documents to have ready:
You do not need a complete file to book. Tell us what you have and what is still missing.
The initial review is free and no obligation. Any further service and fees are agreed separately. Claimboost is an independent insurance claims advocacy service, not an insurer or law firm. Claim outcomes depend on the circumstances, evidence and policy wording.