Checklist – Material Damage Insurance

 Has the form of insurance, i.e. whether Indemnity, Functional Replacement or Full Replacement, been reconsidered?

  Are valuations current? (contact valuer).

  Business interruption – Has consideration been given to the increased costs that may flow from a loss or damage event?

 Is the contents inventory and values up to date? Are unique or high value items values such as organs current (contact valuer).

 Is the present cover enough? Are heritage costs included? Have infrastructure values been included?

 Have all important items been photographed with photos stored off site?

 Have all changes in value, building use/ occupation, alterations, building materials, fire or intruder alarms, new sprinkler installation etc. been notified?

 Have all claims been notified?


List any defects, who will fix them, and the time for completion.

Please understand that this checklist is intended as a guide only and should not be used in any other context, or as a replacement for tailored financial advice.