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Notify the insurer

You first need to notify the insurer of the loss. If the certificate of insurance was issued since 2010, you will be insured by icare and should refer to their website for how to notify your loss. For earlier certificates of insurance, you may be insured by an insurer who is no longer part of the scheme. NSW Fair Trading has a list of their contact details if you need them.

If the certificate of insurance was issued since 2010 you will be insured by icare and should refer to their website for how to notify your loss. You may be insured by an insurer who is no longer part of the scheme. NSW Fair Trading has a list of their contact details if you need them.

You should notify your insurer within the insurance period (six years for major defects and two years for other losses). I fyou do this, you may be able to make a claim at a later date (some conditions apply).

If you become aware of the loss within the final six months of the insurance period, you will have six months from the time you become aware of the loss. This could be up to six months after the insurance period (this is called the extended claim period)

In some exceptional circumstances, you may be able to make a ‘delayed claim’ after the insurance period has expired, if the insured event has not occurred during the insurance period.

You will need to demonstrate that you diligently pursued the contractor to rectify the problem, and that you have properly notified the insurer in writing during the insurance period.

When you notify the insurer, you are giving them notice of every loss caused by the same defect.

Notification must be in writing.