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Have you ring the insurance company? Per item premium? Can't say i have heard of that. shouldn't it all come under one claim, therefore excess payment

i think you could possibly do it under 20. But not knowing exactly its just guess work and assumptions. the kicthen you can get from ikea, you might as well replace it is not a simple replace of a few things. If you design it and get delivered ($70 perth metro) all up <$2500. 2-3days to...

Why not start searching for a new pm and get them to manage the reno works? If things are slowing surely they'd be keen to get one on the books. Like HD said a break down of the works would help suggestions come back. it's a significant amount but are there ways to salvage what's left, eg...