We ask this so we can manage your claim properly. If your insurer is covering the damage or loss, we may assist with the cost of any excess paid. Using your insurer also helps make the process easier and more efficient for you, as your insurer may provide a like-for-like replacement for any damaged items. Generally speaking, Sydney Water's goodwill reimbursement process may only cover the market value of an item (which will factor in the age and condition of the item at the time of the damage), or a contribution to the cost to restore or replace items that your insurer might fully cover.