A practical evidence pack, not a risk-score gimmick.

This sample shows how Heyaro can turn homeowner concern into a structured pack for insurer, broker, council, grant, or trade conversations.

View offer Request pilot

Scenario

Homeowner brief.

Property: low-set home in a suburb with recent street flooding and a large insurance renewal increase.

Concern: insurer premium rose sharply; owner wants to understand which photos, documents, and quotes might help them have a better renewal conversation.

Boundary: Heyaro is organising evidence and quote pathways only. Qualified insurers, brokers, engineers, builders, and trades make the decisions.

Executive summary

Priority action areas.

High Drainage and water-entry evidence is incomplete.
Medium Roof, gutter, and downpipe condition photos are needed.
Medium Tree/branch exposure should be photographed before storm season.
Low Document completed maintenance for future renewal conversations.

Evidence checklist

Photos still needed.

Area	Needed	Why it matters
Front yard fall	Wide photo from street to front door	Shows visible flow path and surface drainage context
Downpipes	Each downpipe and discharge point	Helps trades quote stormwater redirection or repairs
Roof/gutters	Safe ground-level photos of gutter line	Supports gutter cleaning, guard, repair, or roofing quote brief
Doors/thresholds	Entry threshold and visible water marks	Helps identify where water-entry prevention questions begin

Quote brief

Trade categories to investigate.

Drainage/stormwater: inspect downpipe discharge, surface fall, spoon drain or pit options.
Roofing/gutters: inspect gutter capacity, debris risk, downpipe condition, roof maintenance evidence.
Waterproofing/building: review thresholds, low openings, and visible past water marks.
Arborist/garden maintenance: assess overhanging branches and storm debris exposure.

Questions for broker or insurer

Conversation pack.

Which specific risk factors influenced the renewal increase?
Would completed drainage, gutter, roofing, or bushfire/flood-preparation work be noted on file?
What evidence should be kept after any resilience-related upgrades?
Are there policy conditions, exclusions, excesses, or mitigation notes the owner should understand?

Owner tracker

Next 14 days.

Take missing photos using the checklist.
Get two drainage/stormwater quotes using the same brief.
Ask broker or insurer the four questions above.
Save completed work evidence in one folder for renewal, claim, grant, or sale conversations.

Partner use

The same report can help three conversations.

This is why the offer should be tested with referral partners, not just homeowners.

Broker

Cleaner client facts.

The homeowner arrives with photos, questions, and maintenance context instead of panic.

Trade

Better quote scope.

The quote request includes the relevant area photos and a practical work category.

Owner

One evidence folder.

Completed work, invoices, and photos stay together for renewal, claim, grant, or resale conversations.