A unique feature of SecureBuild’s product and service offering is the provision of a Building Inspector to carry out inspections and advise homeowners when to pay the progress claim payments to their builder.
SecureBuild’s inspection and payments processes are designed to significantly reduce the risk of financial loss to a homeowner if a builder or contractor is unable to complete a building project or fix defects after the project has been completed.
SecureBuild’s process ensures potential defects are picked up early, during the construction process and remedied quickly, saving builders substantial post construction remediation or maintenance costs.
In the long term this means more profit for a builder’s business!
How does the inspection & payment process work?
When a builder purchases HBC ‘evidence of cover’ (certificates), they’re required to outline the total cost of the building project they’re seeking cover for.
For every project, builders are required to set out the progress claim payments required at the completion of each stage of the build.
- all inspection and payment processes align with the progress claim payments set out by the builder when the HBC ‘evidence of cover’ (certificates) was purchased on the homeowners behalf
- progress claim payments required throughout the project are in line with the value of the work completed by the builder at each stage of the build.
How many inspections does HBC cover?
For residential dwelling projects, there are three standard progress claim payment stages included in the price of a HBC policy:
- Lock-up (pre-lining)
- Final (completion).
SecureBuild may conduct more targeted inspections if:
- The project is a multi-dwelling
- The builder is new to the industry
- The project is complex or high-end.
There is also the option for homeowners to purchase up to seven (maximum) additional inspections if greater peace of mind and assurance is required.
At the end of each stage of a building project you (the builder) or your site supervisor, notifies the Building Inspector via SecureBuild’s mobile app, that you’ve just completed a stage and intend to issue a progress claim payment to your homeowner client.
Where the stage is a SecureBuild targeted inspection stage, our Building Inspectors will attend the building site within 48 hours to conduct the inspection (see the diagram below).
Our Building Inspector will conduct the inspection and record the outcome of that inspection on the SecureBuild app.
Where the progress claim payment does not involve a targeted inspection, the Building Inspector will undertake one of the options below:
- Carry out a visual inspection from the street (street view)
- Accept a photograph from you or your site supervisor
- Accept a certificate from a Principal Certifying Authority (PCA), Engineer or Architect attesting to the completion of the stage.
No incomplete or defective work discovered
If the inspection process does not uncover any incomplete or defective work, the Building Inspector immediately advises the homeowner to pay the builder’s progress claim payment.
Similarly if the progress claim payment does not involve a targeted inspection, and the Building Inspector is satisfied with the street inspection or with the proof provided by the builder regarding completion of the stage, the homeowner is advised to pay the builder’s progress claim payment.
Incomplete or defective work discovered
If the Building Inspector uncovers incomplete or defective work, a full report outlining the incomplete or defective work will be completed and sent to you (the builder) and the homeowner while the inspector is on site.
The report will:
- list all incomplete and/or defective items
- reference all Australian or manufacturer’s standards, indicating the trade contractor responsible
- If the sub-contractor/s responsible for the work are on site at the time of the inspection, they’ll be advised of the issues, and the Australian or manufacturers standard that applies.
The homeowner is provided with the report and advised not to pay the builder’s progress claim payment until they’ve heard back from the Building Inspector.
Once the incomplete and/or defective work has been fixed by the builder, the Building Inspector will return to carry out a re-inspection.
If the re-inspection confirms that the incomplete and/or defective issues have been satisfactorily fixed, the homeowner is immediately notified to pay your builder’s progress claim payment.
* A re-inspection fee applies ($150 per hour)
Your homeowner client completes the payment of your progress claim payment.
What happens if my client disputes the progress claim payment?
The Building Inspector works closely with the homeowner through the building process and is available to answer questions and address any concerns a homeowner may have during the process, reducing the risk of issues arising at each progress claim payment stage.
However if there is an issue, the Building Inspector works with the homeowner to facilitate a speedy resolution to minimise payment delays.