I have a place in Cairns - paying exorbitant insurance on a 3 bed house (5000k pa). As per other threads, I've been getting quotes. Elders (allegedly one of the cheaper) required confirmation that the roof was up to code. I asked my property manager for an inspection to verify - she came back with "its not, it needs roof screws. Would you like me to arrange a quote?" I responded - "Yes. A quote only - for now". I've just called the roofer to clarify whether this is all it needs, and he tells me he is on the roof now, has put in about 1200 screws, and that he has a work order to complete the job!! I was awaiting Elders to give me a hypothetical quote to see if the cost was worth it! Where do I stand? I'm happy enough IF Elders can give me a premium that makes it worthwhile (still waiting a call back), but if not then I'm not happy that I should foot the bill for work I didn't approve!