GET YOUR INSURER
TO PAY FOR YOUR
ELECTRICAL REPAIRS
Storm damage, lightning strikes, vehicle impacts, switchboard fires — in most cases your home or building insurance covers the full cost of Level 2 electrical repairs. We produce the documentation that gets claims approved and carry out the work.
We liaise directly with your insurer, loss adjuster, and insurance builder
Most Sydney homeowners don't know that the priciest part of an electrical damage event — the Level 2 ASP work on your service mains, overhead cables, metering, and power poles — is almost always covered by your home insurance. What kills claims is bad documentation. Insurers need a specific format from an accredited Level 2 ASP, and if that's wrong, you wait weeks or get underpaid.
We've worked with Australian insurers, loss adjusters, and insurance builders for years. We know exactly what assessors want to see. In most cases we have a claim-ready scope of works with your insurer within 24 hours of being on site.
Call us before you call your insurer
Most people call their insurer first and lose days waiting. Call us first — we tell you what's covered, get on site fast, and have the scope ready for your assessor before they even visit.
How We Get Your Claim Approved
There's a gap in the electrical insurance claim process that catches people out: insurers need a Level 2 ASP for the make-safe and the scope of works, but most homeowners don't know who to call — or they call a regular electrician who can't legally do the work. We close that gap. When you call us after a damage event, we attend within the hour, make the site safe, do the full Level 2 assessment, and produce a photo-documented scope formatted for insurance submission. Then we deal with your insurer directly until it's approved.
Storm Damage Claims
Storm damage to overhead service mains and private power poles is the most common covered electrical event in Sydney — and it's exclusively Level 2 ASP work. A standard electrician can't touch it. We respond to storm emergencies across Sydney, make the site safe, document everything, do the repair, and lodge all the claim paperwork under one engagement. No handoffs, no gaps in the documentation.
Working With Loss Adjusters
If your insurer has sent a loss adjuster, we work with them directly. We attend site together, walk them through the scope, and answer technical questions so there's no back-and-forth delay. If an insurance builder is involved, we supply the compliance documentation they need before any internal work can start. Our reports are formatted the way adjusters and builders actually use them — not the way generic contractors write them.
What Does Insurance Cover?
Home and building insurance in Australia covers accidental damage to fixed property. That includes your overhead service cables, private power poles, consumer mains, metering equipment, and main switchboard when damaged by a storm, lightning strike, vehicle impact, or fire. Your policy excess is typically the only thing you pay. We'll give you a straight answer on the phone about what's likely covered before we come out — no surprises.
Strata and Body Corporate Claims
Strata insurance covers damage to common area electrical infrastructure — main switchboards, service mains, metering. The process is the same as residential but there's more paperwork for the body corporate committee. We produce every report and compliance certificate required and deal directly with the strata manager, strata insurer, and loss adjuster so building residents aren't left waiting.
FIND OUT IF YOU'RE COVERED
Call us now. We will tell you whether your damage is likely covered by insurance, what your insurer needs from us, and what the process looks like — before you commit to anything.
0466 125 125Submit Claim EnquiryFOR INSURANCE ASSESSORS
We work directly with loss adjusters and insurance builders across Sydney. Our scopes are formatted to minimise queries and speed up approval.
- Ausgrid & Endeavour compliant rectifications
- Line-item fixed pricing — no hidden costs
- Photo-documented damage reports
- Same-day attendance available
- Compliance certificates lodged with network
Scope Turnaround
Scope of works reports for insurance claims delivered to your insurer within 24 hours of site attendance.
ELECTRICAL DAMAGE EVENTS INSURANCE COVERS
These are the most common Level 2 electrical events where home, building, or strata insurance typically covers the cost of rectification. In most cases, your out-of-pocket cost is only your excess.
Storm Damage — Overhead Mains
When high winds or fallen trees tear your overhead service cable from the point of attachment, or snap a private power pole at the base, this is the most commonly covered electrical event. We attend, make the site safe, document the damage, carry out the Level 2 repair, and produce the compliance certificates and scope your insurer needs to pay the invoice.
Lightning Strike Damage
A direct or induced lightning strike can destroy metering equipment, burn out consumer mains cables, and damage the main switchboard. This is network-side damage that only a Level 2 ASP can assess. We produce a photo-documented scope identifying every damaged component and a fixed-price rectification quote — formatted for fast insurer approval.
Vehicle Impact on Power Pole
When a vehicle strikes a private power pole or fence with overhead cables attached, the site is immediately dangerous and the damage is almost always covered. We respond around the clock, isolate the hazard, lodge the network notifications, replace the pole, and restore supply — with full documentation for the insurer and the at-fault driver's CTP or comprehensive insurer.
Switchboard Fire or Consumer Mains Burn
An electrical fire originating at the consumer mains or main switchboard is a Level 2 event — internal repairs cannot legally start until a Level 2 ASP has cleared the network-side infrastructure. We carry out that assessment, replace the damaged components, and issue the documentation your insurer needs before authorising internal restoration work.
Private Power Pole Collapse
Ageing or storm-damaged private timber poles that fail are a building insurance event in most policies. We replace private power poles across Sydney — timber and steel — managing the network disconnection window with Ausgrid or Endeavour Energy, and producing the compliance paperwork and final invoice in a format insurers accept directly.
Strata and Commercial Property Damage
Body corporate and commercial property insurance policies cover electrical damage to common area infrastructure, main distribution switchboards, and service mains. We work directly with strata insurers and loss adjusters, providing scopes and quotes in whatever format the policy requires, and completing the rectification under our ASP accreditation.
Coverage depends on your specific policy, the cause of damage, and whether exclusions apply. We will give you an honest assessment over the phone before attending. Call 0466 125 125.
HOW WE GET YOUR CLAIM APPROVED
From the moment you call us to the insurer paying the invoice — this is what we manage on your behalf.
Call Us First
Before you call your insurer, call us. We help you understand what the damage involves, whether it is likely to be covered, and what documentation your insurer will need. Getting a Level 2 ASP on site early is the most important step for a successful claim.
Emergency Make-Safe
We make the site safe immediately — isolating live conductors, securing overhead mains, and removing any hazard to occupants. This is a legal prerequisite before any subsequent trade can work on the property and is required by most insurers as proof the emergency was handled correctly.
Level 2 Damage Assessment
We carry out a thorough technical inspection of the consumer mains, point of attachment, metering equipment, private poles, and all service infrastructure damaged in the event. This inspection can only legally be carried out by a Level 2 ASP — it is not something a standard electrician or loss adjuster can do.
Photo-Documented Scope of Works
We produce a comprehensive scope of works report: every damaged component identified, network compliance requirements for reinstatement, and a fixed-price quotation for the complete repair. Formatted for insurance assessors so there are fewer queries and faster approval.
We Liaise With Your Insurer
We deal directly with your insurance assessor, loss adjuster, or insurance builder on your behalf. We answer technical queries, attend site with assessors if required, and provide any supplementary information the insurer needs — in whatever format they request.
Rectification and Compliance
Once the claim is approved, we carry out the complete Level 2 rectification, lodge all compliance certificates with Ausgrid or Endeavour Energy, and invoice the insurer directly where agreed. In many cases the property owner pays nothing out of pocket.
WHAT'S IN OUR INSURANCE SCOPE OF WORKS REPORT
Insurers require specific information to process an electrical claim without going back and forth. Our scope of works reports are structured to provide every line item a claims team or loss adjuster needs, minimising delays and reducing the chance of partial payment.
- Photo evidence of all damage — pre and post rectification
- Itemised list of every damaged network-side component
- Network compliance requirements (Ausgrid / Endeavour Energy standards)
- Fixed-price quotation for the complete reinstatement scope
- Distributor notification reference numbers
- ASP accreditation details and licence numbers for insurer records
- Compliance certificates lodged with the network on completion
- Timeline of works — for claims requiring proof of urgency
READY TO CLAIM?
If you have suffered electrical damage from a storm, lightning, vehicle impact, or fire — call us now. We attend within the hour for emergencies, assess the damage, and have your scope of works to your insurer within 24 hours.
ELECTRICAL INSURANCE CLAIMS — FAQ
Everything you need to know about making an insurance claim for electrical damage in Sydney. Call 0466 125 125 if you have a question not covered here.
Will my home insurance pay for storm damage to my overhead power lines?
In most cases, yes. Home and building insurance policies in Australia typically cover accidental damage to fixed property caused by storm events, including damage to overhead service cables, private power poles, and points of attachment. The key is having a Level 2 ASP carry out the make-safe and produce the scope of works and compliance documentation your insurer needs to approve the claim. Sydney Power Group has experience working with all major Australian insurers and we produce reports in the formats assessors expect, which significantly speeds up claim approval.
Can you deal with my insurance company directly on my behalf?
Yes. We regularly work directly with insurance assessors, loss adjusters, and insurance builders on behalf of property owners. We answer technical queries about the scope and cost, attend site with assessors when required, and provide supplementary documentation in whatever format the insurer requests. While we cannot act as your legal representative in a dispute with an insurer, we handle all technical communication about the electrical scope so you do not need to.
What documentation does an insurer need for an electrical damage claim?
Insurers typically require: a photo-documented scope of works identifying every damaged component; network compliance requirements for reinstatement; a fixed-price quotation; ASP accreditation details proving the contractor is authorised to carry out the work; distributor notification reference numbers; and compliance certificates after completion. Our standard scope of works report includes all of these items, which is why claims supported by our documentation tend to be approved faster with fewer queries from assessors.
Do I need to pay anything upfront for insurance electrical work?
In most cases where the damage is covered under a valid insurance policy, the insurer pays the rectification invoice directly. You pay your policy excess — the same as any other insurance claim. We work with your insurer to ensure the complete scope is claimed, not just the visible damage, which maximises the amount covered and minimises what you pay out of pocket. We will always be clear with you upfront about what is and is not likely to be covered before any work commences.
My insurer sent a loss adjuster — what happens now?
A loss adjuster's job is to validate the claim on behalf of the insurer. We attend site with loss adjusters regularly and our technical assessment adds credibility to the scope being claimed. If a loss adjuster is involved, call us before they attend so we can have our scope of works ready. We can present the scope directly to the adjuster, answer technical questions about why each component needs to be replaced, and ensure the full extent of the damage is documented rather than a partial scope.
Can you help with electrical damage claims for strata buildings?
Yes. Strata and body corporate insurance policies cover damage to common area electrical infrastructure, main distribution switchboards, service mains, and metering equipment. We work directly with strata managers, strata insurers, and loss adjusters to produce scopes and quotes in the required format. Our Level 2 ASP accreditation covers all three NSW network distributor zones, which means we can carry out the rectification for any strata property in Greater Sydney.
What if my insurer disputes the scope or cost of the repair?
If an insurer disputes our scope or pricing, we provide detailed technical justification for each line item — referencing the applicable Ausgrid or Endeavour Energy standards and AS/NZS 3000 requirements. In our experience, disputes about Level 2 scope are usually resolved once we provide the regulatory compliance basis for each item, because the insurer's assessor does not always have the technical background to challenge Level 2 compliance requirements. We have not had a legitimate Level 2 scope rejected on technical grounds.
Does vehicle damage to a private power pole count as an insurance claim?
Yes. If a vehicle has struck your private power pole — whether it is on your property boundary or in a car park — this is typically covered under your home or commercial property insurance policy. Additionally, the at-fault driver's CTP or comprehensive motor insurance may be liable. We produce documentation suitable for both claims simultaneously: the property damage scope for your home insurer and a damage assessment for the motor insurer or at-fault driver. Call us immediately after the incident so we can make the site safe and begin documentation while the circumstances are fresh.
LET YOUR INSURANCE PAY FOR IT
Storm, lightning, vehicle impact, or fire damage to your electrical infrastructure is most likely covered. Call us first — we will tell you exactly what is covered, produce the documentation, and get the claim approved.