Insurance Reinstatement Contractor London | Loss Adjusters | Tom Harvey
✓ Itemised, insurer-ready reinstatement scopes — returned within 48 hours
Loss Adjusters · Claims Handlers · Managing Agents

Insurance reinstatement,
scoped for the claim.

After an escape of water or leak, we produce an itemised scope and quote in the format adjusters expect, then carry out the full reinstatement — ceilings, walls, flooring, joinery and decoration — with photos at every stage.

Reinstatement Guide 2026
Ceiling repair & redecorate£600–£1,800
Single room reinstatement£1,500–£7,000
Kitchen or bathroom reinstatement£4,000–£15,000
Multi-room / whole flat£7,000–£25,000+
All prices+ VAT at 20%
48hr
Scope & quote
4.8★
Google rating
Photo
Reports every stage
12mo
Workmanship warranty
Made for claims

Scopes that
get approved.

Adjusters need to see exactly what is being reinstated and why. We break every scope down room by room and trade by trade, with measurements, quantities and photos, so it can be checked against the policy without back-and-forth.

We work directly with the loss adjuster, the managing agent and the policyholder, and keep all three updated. Where a leak comes from the flat above, we can scope both properties.

One contractor handles strip-out, drying checks, plastering, flooring, joinery and redecoration — so there is one quote, one programme and one invoice.

Speak to the team about a live claim

020 3983 5087
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What we provide:

  • Site survey with photos and measurements
  • Itemised scope by room and trade
  • Moisture checks before reinstatement
  • Strip-out and safe disposal
  • Plasterboard, skim and ceiling replacement
  • Flooring, skirting and joinery replaced like-for-like
  • Stain-block and full redecoration
  • Progress photos for the claim file
  • Completion report and one VAT invoice
Request a Scope →
Insurance reinstatement costs London

Every scope
clearly itemised.

Typical London ranges for escape-of-water reinstatement. Final figures depend on the extent of damage and the finish being matched.

Ceiling & Wall Repair
£600–£1,800
+ VAT · One area
  • Damaged boards cut out
  • Replaced and skimmed
  • Stain-blocked and painted
  • Whole surface redecorated
  • Photo report
Get a Quote
Multi-Room / Whole Flat
£7,000–£25,000+
+ VAT · Programme agreed
  • Kitchen and bathroom reinstatement
  • Electrical checks and reinstatement
  • Flooring throughout
  • Joinery and decoration
  • Adjuster liaison throughout
Get a Quote

Have a claim reference?

Send the address, claim details and any photos — scope and quote within 48 hours.

How it works

Survey. Scope.
Reinstate.

A clear process that keeps adjusters, agents and policyholders on the same page.

1

Instruction

Send the claim details, address and contact for access.

2

Survey

We survey, measure, take moisture readings and photograph everything.

3

Itemised Scope

Scope and quote by room and trade, ready for the adjuster within 48 hours.

4

Reinstatement

Works carried out to the approved scope with progress photos.

Sign-Off

Completion photos, report and one VAT invoice.

4.8 ★
Google · 69 reviews
9.3/10
Checkatrade
1,000+
Jobs completed
£5m
Public Liability
Ltd Co.
No. 16499315
12mo
All work warranted
Why choose Tom Harvey

What makes us
different.

One contractor, every trade

We coordinate every trade ourselves. One contact, one quote, one handover — no juggling.

Fixed price, written quotes

Every quote is itemised and fixed. What we quote is what you pay — guaranteed. No mid-project surprises.

Fast and efficient

We work efficiently without cutting corners. Clear timelines agreed upfront at quote stage.

Supply and fit available

We source materials at trade prices — or we'll work with your chosen supplier. Both options available.

10+ years across London

1,000+ jobs completed. We've worked in everything from mansion flats to Victorian terraces and new-build towers.

Digital invoicing, VAT registered

Professional itemised quotes and VAT invoices — perfect for landlords, agents and property managers.

Ready to get started?

Free site visit · Written quote within 48 hours · No obligation

Where we work

Covering
all of London.

We cover every London borough and Hertfordshire. Here are the areas we work in most regularly.

All London BoroughsKensington W8Chelsea SW3Knightsbridge SW1XMayfair W1Belgravia SW1WNotting Hill W11Holland Park W11Marylebone W1USt John's Wood NW8Hampstead NW3Islington N1Canary Wharf E14Hackney E8Shoreditch EC2Battersea SW11Fulham SW6Clapham SW4Richmond TW9Westminster SW1St Albans AL1

Don't see your area? Call us — we cover all of Greater London

020 3983 5087
Call Now
Common questions

Your questions
answered.

Yes. We send scopes, photos and progress updates straight to the adjuster and copy in the managing agent and policyholder as needed.
Yes. Many policyholders ask for an independent quote to submit with the claim. We survey, photograph and provide an itemised scope they can send to their insurer.
Yes. We take moisture readings before reinstating. Boarding and skimming over wet walls leads to repeat damage, so we will advise if more drying time is needed.
We match flooring, paint and joinery wherever products are still available. Where they are not, we replace across the whole room or line of sight so there is no visible patch.
Yes. We can scope both flats and provide separate quotes for each insurer or leaseholder.
Whoever instructs us. We can invoice the insurer, the managing agent or the policyholder, and we can work to the claim settlement figure.

Live claim? Get a scope in 48 hours.

Site survey · Itemised scope · Photo reports · One VAT invoice

Request Online

Fill in our quick form and we'll respond within 24 hours.

Get a Free Quote →

Call the Team

Speak directly to our team — Monday to Friday, 9am–6pm.

020 3983 5087

Email Us

Send the claim details and photos — we will come back with a scope.

info@tomharvey.co.uk