Can I proceed with the repairs before Lonpac view the damage?
Preferably not, as this would mean the evidence or the cause of the damage may not be present anymore. Furthermore, the prices charged by your contractor may be higher than the actual market price or we may be able to get a lower quotation from another contractor. However, if the repairs need to be done immediately / urgently in order to mitigate the loss, e.g. in the case of windstorm damage to the roof during the weekend, you are advised to take photographs of the damaged roof or keep the damaged property as evidence. These repairs should be carried out on a without prejudice basis to the terms and conditions of the policy as policy liability has yet to be established.
