Technical insight UK

Fire and Flood Reinstatement: From Survey to Completion

The Building Surveyor’s role in damage assessment, scope, tendering and Contract Administration after fire, flood or escape of water in Scotland.

After a fire, flood or escape of water, reinstatement needs a reliable record of damage and a clearly defined scope. A Building Surveyor can assist the owner, property factor, insurer or loss adjuster with the building work from early assessment through completion, subject to the appointment.

Record the condition

The initial assessment identifies the affected elements, visible damage, safety or access restrictions and areas requiring specialist input. Photographs, drawings and an agreed record help separate reinstatement works from unrelated existing defects.

Define the scope and procurement route

Further opening-up and drying information may change the repair strategy. The surveyor can develop specifications and tender documentation once the extent is sufficiently understood. Contractor proposals should be reviewed against the same scope and stated assumptions.

Administer and inspect the works

During construction, inspections and contract records help manage progress, changes and quality. Practical Completion and the defects period provide defined stages for checking the work. The surveyor’s role is separate from the insurer’s coverage decision or the loss adjuster’s appointment.

Questions clients ask

Does the surveyor decide what the insurance policy covers?

No. Coverage and settlement are matters for the policyholder, insurer and loss adjuster. The surveyor advises on the building condition and works within the agreed instruction.

Can a scope be finalised before opening-up?

Sometimes, but concealed damage may require investigation and later adjustment. The initial scope should state the assumptions and exclusions.

Who checks the reinstatement work?

That depends on the contract and appointments. A Contract Administrator can inspect progress and completion as part of an agreed service.

Inspection scope and conclusions depend on the property, access and information available. Inspec can advise on an appropriate appointment for the specific building.

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