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Tip - You cannot change depreciation methods. So if you used prime cost previously Speary's tip wont help you. However a revised QS report may assist.

Most but not all insurers offer an accidental damage option for extra $. Pays to read coverage and shop around. We took it out thank God. I chipped our ceasarstone bench in kitchen. (Its bloody hard stuff I really smacked it hard with a bowl) Tiling also affected. Major job and major $$. My cost...