BUILDING claims, including damage to decorations, should be based on a builder’s estimate and columns (2) - (5) need not be completed.
CONTENTS claims, All columns should be completed and an indication of the extent of the damage given. If any of the items are capable of repair the claim should be based on a Tradesman’s estimate. Cost price at the time of loss or damage (after deductions of all discounts and trade allowances for cash payments) are alone recognized in estimating sound values in respect of claims for Stock-in-Trade. Estimates should be submitted to the company before instructions are given for the work to be put in hand and if possible should accompany this form.