The scope of works can vary in detail depending on the level of damage to your home. It generally will outline the items of work that need to be completed as part of your home insurance claim.
If a project manager, such as MPS (Morgan Project Services), has been assigned to your claim, they may prepare a scope of works on behalf of AA Insurance. An initial scope of works may first be completed to give us a high-level picture of the loss you’ve suffered and the severity of the damage. For example, an initial scope of works may capture that your oven has been damaged and include photos or measurements, but it will not yet capture the finer details such as the make, model, etc. of your oven. Further into your claim, a more detailed scope of works will be completed so quotes can be obtained, and repair costs can be assessed.
It's important to note that the scope of works is agreed to by you and AA Insurance. If you disagree with anything on your scope of works, let your Customer Manager know so we can work through it and ensure we’re getting it right. Generally, repairs won’t begin or a cash settlement determined until the scope of works is agreed on.
If we agree to a managed repair rather than a cash settlement, your scope of works is used as a reference point over the course of your claim. It will identify key milestones which your Project Manager and any other builders or tradespersons will refer to throughout your repair.
A scope of works doesn’t usually change. However, if for example, we’re managing your repairs and we find more damage, we’ll assess this newly discovered damage and determine whether it can be included in your claim, subject to your policy terms and cover. If it’s found to be part of your claim, a variation to your scope of works may be completed. Any changes to your scope of works will always be communicated with you and agreed to by you before progressing.