Repair Instead of Payout
Restoring a home after a flood or a fire, with an estimate in the format accepted in claim files and settlement straight with the insurer, so nothing has to come out of your own pocket.
full-service packages
the document you hold
starting point for settlement
where we work
What you get from us
What stops being your problem
Unit of settlement: a repair estimate on standard cost bases, settled with the insurer.
An estimate laid out for the claim file
Quantities, item descriptions and a photographic record in a layout the adjuster can verify without extra correspondence.
Pricing bases stated openly
We state which standard cost bases the items are priced on and what markups apply. That makes it clear what is being paid for, and gives something to discuss in an appeal.
Settlement without laying out money
We settle with the insurer on an assignment of claim, so the repair does not have to be funded out of your own pocket.
Work in an occupied flat
We run the works in stages, with rooms protected and cleaning at the end of each day, so there is no need to move out.
Entry right after the drying
We come in within a declared window once the drying is finished, with no second crew to find and no gap between companies.
Documentation that stays
Photographs before, during and after the works, plus a handover protocol. Material that stays in case of a dispute or another claim.
After damage to a home
Full-service packages
Each package is described by what stops being your problem, not by what we do. The scope is closed and the rate sits underneath.
What goes wrong today
What this market does to you today
- The decision arrives with an amount whose basis is invisible, so there is no substantive way to challenge it.
- The valuation omits items the job actually needs: drying, debris removal or working in an occupied flat.
- Catalogue prices assume normal, average and repeatable conditions, and renovating one room in an occupied flat has none of them.
- The drying company stops at drying and leaves the wall to be restored, which is a separate job and a separate search for a crew.
- The dispute runs on labour rates, markups and depreciation, and the claimant has nothing to argue with.
- Contractors want paying at once, while the compensation arrives later or in instalments.
Indicative estimate
Repair scope configurator
Enter the areas affected by the claim. We will show an indicative value range for the restoration works and the items for the estimate.
Please fill in the fields to see an indicative estimate.
The result is an indicative estimate meant to show the order of magnitude. It is not an offer and binds neither side.
How we work together
A clear split before we start
On the Mivare side
- One person in charge
- Written scope before start
- Handover documentation
- No further subcontracting
What you bring
- I have the decision and the amount, but I do not know whether it covers bringing the flat back to how it was.
- I need an estimate the insurer will accept, not a slip of paper with one number on it.
- I do not want to lay out my own money and wait months to be paid back.
- I live in this flat and have nowhere to move out to while the work is done.
- I want no trace of the flood left afterwards, not a water stain painted over.
- I handle policies for housing communities and want one company that closes a claim for my client.
The effect
Restoring a home after a flood or a fire, with an estimate in the format accepted in claim files and settlement straight with the insurer, so nothing has to come out of your own pocket.
After damage to a home
Scope boundaries
Who this programme is for
- People after a flood, fire or failure who already hold the insurer's decision
- People whose awarded amount looks too small for the work required
- Brokers handling policies for housing communities, co-operatives and companies
- Property managers settling damage in common areas
- Assistance operators looking for a contractor in Silesia and Zaglebie
Who it is not for
- Damage in industrial and large-format buildings
- Drying, mould removal and post-fire cleaning
- Loss adjusting and establishing who is liable
- Repairs to equipment, electronics and movable property
What we do not do
- Drying, mould treatment and post-fire cleaning
- Loss adjusting and establishing liability for a claim
- Repairs of equipment, electronics and movable property
- Industrial and large-format buildings
After damage to a home
Let us start with one building
A pilot on one stairwell, or on the show flat alone. That is how you test us without risking the schedule of the whole development.
+48 886 867 171·hej@mivare.pl
Good cooperation starts with the right fit
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