Lumley Insurance Claims

Commercial and industrial property damage demands a fundamentally different response to residential work. When your office, retail premises, or commercial property suffers fire, water, or contamination damage, business continuity becomes the priority — not just restoration.

We understand Lumley's commercial claims requirements, documentation standards, and scope-of-works procedures for mid-market commercial claims. Our IICRC-certified contractors have experience with offices, retail fit-outs, hospitality venues, medical practices, and strata commercial lots.

We bill you directly — not your insurer. This means work begins immediately without waiting for Lumley approval or scope-of-works sign-off. Once restoration is complete, we provide full documentation to support your Lumley claim for reimbursement. Payment plans are available through our finance partner, Equipped Commercial Finance.

Commercial claims are more complex than residential — larger scopes, multiple stakeholders, and business interruption considerations. Here is how we manage Lumley commercial claims:

1. Emergency make-safe and containment — We deploy immediately to secure the site, prevent secondary damage, and establish containment zones. For commercial premises, this includes securing stock, equipment, and tenant areas.
2. Comprehensive damage assessment — Our technicians document all damage with photos, moisture readings, air quality data, and a detailed scope of works. We coordinate with building managers and tenants to minimise disruption.
3. Scope and costings for Lumley — We prepare commercial-grade documentation that meets Lumley's requirements, including business interruption impact assessment where applicable.
4. Managed restoration program — We assign a dedicated project manager for commercial jobs. We schedule work around your business operations to minimise downtime.
5. Completion, commissioning, and sign-off — Final inspection, air quality clearance certificates, compliance documentation, and handover to Lumley with full supporting evidence.

Commercial insurance policies through Lumley are significantly more complex than residential policies. Coverage depends on your specific policy wording, but typically includes:

• Property damage — Fire, water, storm, and impact damage to the building structure, fit-out, and fixed plant.
• Business interruption — Loss of revenue, additional operating costs, and increased cost of working during the restoration period.
• Stock and contents — Damage to inventory, fixtures, fittings, and business equipment.
• Glass and signage — Shopfront glass, display cases, and external signage damage.
• Tenant fit-out — Improvements and fit-out works within leased premises.

Common exclusions include gradual deterioration, wear and tear, faulty workmanship, and maintenance-related damage. If you are unsure about your Lumley commercial coverage, our team can review your policy documentation at no cost.

Our billing model is designed for commercial clients who need work to begin immediately, without the delays of insurer-managed procurement:

• We bill you directly — Our contractors invoice you (the property owner, management company, or body corporate), not your insurer. This allows emergency work to begin without waiting for scope approval.
• You claim reimbursement from Lumley — We provide all documentation, photos, scope of works, and compliance certificates your insurer needs to process your claim.
• Why this is better for commercial clients — No waiting for panel assessors. No scope disputes delaying critical make-safe. You control the timeline and the quality of work.
• Payment options available — Flexible payment terms through our finance partner Equipped Commercial Finance for fast loan approvals.
• Contract provided — After the make-safe is completed, your contractor provides a formal contract with clear terms, milestones, and conditions.

How do large commercial claims differ from residential?

Commercial claims involve larger scopes, business interruption calculations, multiple stakeholders (owners, tenants, body corporate), and more complex documentation requirements. We assign a dedicated project manager to coordinate all aspects of Lumley commercial claims.

Can you handle multi-site losses?

Yes. Our national network of IICRC-certified contractors can deploy to multiple sites simultaneously. We coordinate logistics, documentation, and Lumley reporting across all affected locations from a single point of contact.

What about business interruption claims?

We document the full timeline and impact of the loss event, including before-and-after conditions, drying logs, and restoration milestones. This documentation supports your business interruption claim with Lumley by establishing the period of disruption.

Can I choose my own restorer for a Lumley commercial claim?

Yes. Under Australian consumer law and insurance contract law, you have the right to appoint your own restoration provider — even on commercial policies. Nominating an IICRC-certified provider like us often results in faster, higher-quality outcomes.