Question on Contents insurance: Portion of my PPOR backyard timber fence got ripped off during the last week storm. I did fix it temporarily and asked for my insurer to provide quote for the replacement. Insurer has accepted the claim and will be sending the quote soon. Excess amount I opted for is $1000. While waiting for the quote from Insurance company, I tried quotes from other tradies and it is coming between $1500-$2000 for colorbond fence. Say insurer comes up with $2500 quote, wondering which would be the best option i.e. Go with insurance company or using a tradie myself? If I use the insurer, would premium be jumping higher next year? Also, any recommendations for Fence installer around North West region would be great.