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Trusted Insurance-Approved Builders for Reinstatement and Quality Repairs

Over 20 years supporting the insurance sector across Auckland. We deliver residential, commercial, and body corporate reinstatement—from emergency make-safe to full rebuilds, including Major & Complex Claims (MCL).

About us

Scott Commercial Limited (SCL) restores homes and commercial workplaces after fire, flood, storm, and impact damage. As insurance-approved builders, we work seamlessly with insurers, loss adjusters, and owners to return properties to pre-loss condition—safely, quickly, and to a high standard.
With over two decades serving insurers and policyholders, we deliver residential, commercial, and body corporate projects. We support the full reinstatement journey: emergency make-safe, on-site assessment, scope and estimate, reinstatement, and full rebuilds, including Major & Complex Claims (MCL) capability.
Quality workmanship is backed by rigorous QA and warranties, delivered by skilled, vetted trades and dedicated project managers. Where feasible, we use sustainable materials and responsible site practices to reduce waste and support a better build outcome.
The SCL Commitment: We are committed to quality workmanship, building a sustainable future, and achieving results through a highly skilled team.

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Why choose SCL?

Insurance-approved, people-first service: clear communication, one point of contact, and respectful work practices in occupied homes and active workplaces.

On-time, on-budget deliveryProactive planning and coordination with insurers and loss adjusters to reduce downtime and limit secondary damage.

Quality that lastsRobust quality checks, warranties, and premium materials—plus sustainable options where feasible.

Explore why clients choose us

Our team

SCL brings together experienced project managers, qualified trades, and a trusted contractor network to deliver reinstatement and repairs safely and efficiently. You’ll have a dedicated point of contact who coordinates site access, scheduling, reporting, and quality checks—so the process feels straightforward, even when the damage is complex. From first make-safe through to handover, we focus on tidy sites, courteous communication, and workmanship that meets building code and insurer requirements.

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Our building services

Explore our services

Residential RenovationsWe offer a comprehensive range of home renovation services, from re-cladding and full home transformations to kitchen, bathroom, roofing, and maintenance projects, designed to create spaces you'll love. Learn More

Renovations by TradeOur skilled team covers every trade, including plumbing, electrical, plastering, joinery, tiling, painting, decorating, as well as decking and outdoor services. Experience quality craftsmanship for your renovation Learn More

Home damage emergency check list

If your property has been damaged, your first priority is safety—then preventing further loss. If it’s safe to do so, isolate power/water/gas, document the damage with photos, and contact your insurer as soon as possible. SCL can assist with urgent make-safe, assessment, and insurer-approved repairs across Auckland.
Need help right now? Call us for make-safe guidance or start with our quick checklist.

Insurance Reinstatement

Download the checklist

Insurance reinstatement services

Insurance services

Insurance ReinstatementFast, professional rebuilding and insurance repairs that restore your property quickly and efficiently. Learn More

Commercial & Large LossWe manage complex reinstatement projects for businesses and large loss claims, coordinating every stage for a smooth process. Learn More

FAQsCan't find the answer here? Get in touch with our friendly team.Read more FAQs

How does the insurance reinstatement process work?

You lodge a claim with your insurer, who may engage one or more approved builders to assess the damage. We complete an on-site assessment, prepare a scope and estimate, submit it to your insurer, and—once appointed—plan and deliver the reinstatement through to handover.

How quickly can you attend for an assessment or make-safe?

For urgent situations, we prioritise make-safe work to help prevent further damage. For standard assessments, we aim to contact you promptly to book a suitable time and keep you informed of next steps.

Can I request SCL as my builder?

Often, yes. Insurers typically appoint from their panel of approved builders. You can tell your insurer you’d like SCL to assess and complete the reinstatement, and we’ll work with them and your loss adjuster to progress approvals.

Do you handle residential, commercial, and body corporate reinstatement?

Yes. We support homeowners, commercial property owners, and body corporates with reinstatement and repairs—ranging from minor repairs to full rebuilds.

What is an MCL (Major & Complex Claim)?

MCL generally refers to larger or more complex claims that require structured planning, specialist coordination, and tighter stakeholder management. We have capability to deliver MCL scopes—from initial make-safe through to staged rebuilds.

How do you ensure quality and compliance?

We use rigorous quality checks, appropriate documentation, and skilled trades to meet building code and insurer requirements. You’ll receive clear communication throughout the job and a walkthrough at handover.

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"After a fire damaged our office, Scotts Commercial was a lifesaver. They handled the insurance reinstatement seamlessly and rebuilt the space better than before. Professional, efficient, and always in touch - highly recommended!"

Karen Michaels

Operations Manager

Latest articles

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Air Quality in My Home: Considerations When RenovatingMaintaining good indoor air quality is essential for a healthy, comfortable, and safe living environment. Especially during a renovation, dust, fumes, and volatile organic compounds (VOCs) can significantly impact the air you breathe. If you’re planning a home remodel, understanding how to protect and improve your indoor air quality should be a top priority.Read More

Fixed Price vs. Charge: Which Is the Better Option When Hiring a Builder?When planning a construction or renovation project, one of the most important decisions you’ll face is how to pay your builder. Should you opt for a fixed price contract, or an open-ended charge based on time and materials? Understanding the differences between these two payment structures can help you make an informed decision and protect your budget.Read More

Handyman vs. Builder: What’s the Difference and Which Do You Need?Making the right choice saves time, money, stress, and leads to a finished result you're proud of.Read More

How to Balance Cost Versus Quality When Selecting a BuilderA considered approach ensures your renovation stays within budget and stands the test of time.Read More

Telling Signs Your Builder Is Cutting CornersSometimes builders may cut corners to save costs or time, which can lead to costly problems.Read More

The Benefits of Eco-Friendly Construction MethodsAs environmental awareness grows, so does the importance of sustainable practices in the construction industry. Eco-friendly construction methods are transforming the way we build, offering numerous benefits that extend beyond just reducing our ecological footprint. Embracing green building techniques not only helps protect the planet but also provides significant advantages for homeowners, businesses, and communities alike.Read More

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Our friendly, knowledgeable team is here to help with your safe furniture needs. Whether you need advice or have specific requirements, we’d love to chat and assist with your project!

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