Harbourline MutualProperty claims · Confidential
4. Repair costs
Both contractors inspected the property on 18 August 2026. Their quotes include VAT at 20% and are valid for 30 days.
| 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 |
Northwind Ltd’s quote is the lower by £495.00 and covers the same scope of work.
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