RAC Insurance Claims

When disaster strikes and you need to make a claim with RAC, we make the process as smooth as possible. As an approved restoration provider, we work directly with RAC to manage your claim from start to finish — so you can focus on getting your life back to normal.

Our relationship with RAC means we understand their claims process, required documentation, and scope-of-works approval procedures. This experience translates to faster claim approvals, fewer delays, and a better outcome for you.

Most importantly, we direct-bill RAC for all approved works. You pay only your policy excess — no upfront costs, no surprise invoices, no financial stress during an already difficult time.

Filing a disaster recovery claim with RAC follows a straightforward process when you have an approved provider managing it for you:

1. Contact us for emergency response — Call or submit an online form. We dispatch a local team immediately while simultaneously notifying RAC of the incident.
2. On-site assessment and documentation — Our technician documents all damage with photos, moisture readings, and a detailed scope of works for RAC's review.
3. Scope approval from RAC — We submit our scope and costings directly to RAC. As an approved provider, our quotes are typically approved within 24–48 hours.
4. Professional restoration — Once approved, we begin restoration using certified technicians and industrial-grade equipment. We keep both you and RAC updated throughout.
5. Completion and sign-off — We conduct a final inspection, provide completion documentation to RAC, and hand your property back in pre-loss condition.

While every RAC policy differs, most home and commercial policies cover restoration for the following sudden, accidental events:

• Water damage — Burst pipes, leaking appliances, roof leaks from storms, and accidental overflow.
• Fire and smoke damage — Kitchen fires, electrical fires, bushfire ember attack, and associated smoke/soot damage.
• Storm damage — Wind damage, hail damage, fallen trees, and rain water ingress.
• Flood damage — Depending on your policy level and whether flood cover is included.
• Impact damage — Vehicle impact, falling objects, and vandalism (with some policy variations).

Common exclusions across most RAC policies include gradual damage from lack of maintenance, pre-existing mould, wear and tear, and damage from unapproved renovations. If you are unsure about your coverage, our team can review yourRAC policy at no cost.

One of the biggest advantages of using an approved provider for your RACclaim is our direct billing arrangement. Here is how it works:

• We bill RAC directly — All approved restoration costs are invoiced to RAC, not to you.
• You pay your excess only — The only out-of-pocket cost is your policy excess, which you pay directly to RAC as part of the standard claims process.
• No financial surprises — Because we agree the scope of works with RAC before starting, the approved amount covers all necessary restoration.
• Contents claims included — Where applicable, we also assist with contents restoration or replacement claims through RAC.

This direct billing model removes the financial burden during what is often a stressful and disruptive event. You never need to pay thousands upfront and wait for reimbursement.

How do I start a claim with RAC?

Contact us first for emergency response. We will lodge the claim with RAC on your behalf during the initial assessment. Alternatively, you can contact RACdirectly and nominate us as your preferred restoration provider.

How long does a RAC claim take?

Scope approval typically takes 24–48 hours for straightforward claims. Complex or large-scale claims may take 3–5 business days. Restoration timelines depend on the type and severity of damage.

What documentation do I need for my RAC claim?

We handle the documentation for you — including photos, moisture readings, scope of works, and progress reports. You will need your RAC policy number and may need to sign an authority for us to act on your behalf.

Can I choose my own restorer with RAC?

Yes. Under Australian consumer law, you have the right to choose your own restoration provider. As an approved provider, nominating us often results in faster approvals and a smoother process with RAC.