Harbourline MutualProperty claims · Confidential
4. Repair costs
The settlement is the lower quote less the policy excess. The mean of the two quotes is shown for reference:
EquationS = 4∑i=1qi − E = £8,995.002 − £250.00 ≈ £4,250.00
Here qi is Northwind Ltd’s price for item i and E the £250.00 excess.
| Item | Northwind Ltd | Acme Builders |
|---|---|---|
| Strip and replace ceiling | £1,980.00 | £2,240.00 |
| Electrical (two downlights) | £410.00 | £395.00 |
| Reseal shower tray | £180.00 | £220.00 |
| Redecoration | £1,680.00 | £1,890.00 |
| Total (incl. VAT) | £4,250.00 | £4,745.00 |
5. Recommendation
Settle at £4,250.00 under section 2 (buildings), less the £250.00 policy excess. Instruct Northwind Ltd, whose quote is valid until 15 September 2026. No liability falls on a third party.
CS-2041 · Assessment reportPage 2 of 4