Restumping Cost
house restumping cost

The cost of restumping a house can vary depending on several factors. As OzRestumping understands, these factors can help you estimate the potential expenses and plan accordingly. Here are key factors that can impact restumping costs:

Factors That Impact Restumping Costs

Size and Condition of the Building

The size and complexity of the building play a significant role in restumping costs. Larger buildings with more extensive foundation systems require more stumps to be replaced, resulting in higher costs. Additionally, if the existing stumps are in poor condition, the cost of their replacement may be higher compared to stumps in good condition.

Type of Stumps Used

The material used for the new stumps can affect the overall cost of restumping. Concrete and galvanised steel stumps are generally more expensive than timber stumps, but they offer greater durability and longevity. The choice of stumps depends on your budget, preferences, and the specific requirements of your house.


The location of the property can impact restumping costs. Labor and material costs can vary in different regions or cities. If you live in an area with higher costs of living or construction, restumping expenses may be higher compared to areas with lower costs.


The accessibility of the site is another factor that can affect restumping costs. If the house is difficult to access, such as being located in a tight space or on uneven terrain, additional labour and equipment may be required, leading to increased costs.

Additional Repairs or Adjustments

During the restumping process, additional repairs or adjustments may be necessary. This can include repairs to flooring, walls, or plumbing that have been affected by the movement or deterioration of the stumps. The extent of these additional repairs can impact the overall cost of the restumping project.
It’s important to note that restumping costs can vary significantly based on these factors. It’s advisable to consult with a reputable restumping contractor who can assess your specific situation and provide a detailed cost estimate.

Financing Options for Restumping

Restumping a house is a significant investment, and financing options can help make it more manageable. Here are some financing options to consider:


Out-of-Pocket Payment

If you have sufficient savings or access to funds, paying for the restumping project out of pocket is a straightforward option. Using your savings or equity from other assets can help you cover the costs without incurring additional debt.

Home Loan Redraw or Offset Account

If you have a mortgage with a redraw or offset account, you may be able to use these funds to finance the restumping project. Redrawing from your mortgage allows you to access the additional funds you have already paid into your home loan. Similarly, using an offset account reduces the interest payable on your mortgage, allowing you to allocate more funds toward the restumping project.


Refinancing your home loan can be an option to access additional funds for restumping. By refinancing, you can increase your loan amount and use the extra funds to cover the restumping costs. It’s important to consider the interest rates, fees, and repayment terms associated with refinancing to ensure it is a viable option for your financial situation.

Personal Loan

If you don’t have access to home equity or prefer not to refinance, a personal loan can provide the necessary funds for restumping. Personal loans typically have higher interest rates compared to home loans, so it’s important to carefully consider the repayment terms and your ability to meet the loan obligations.

Construction Loan

If you are planning significant renovations or additions along with the restumping project, a construction loan may be a suitable option. Construction loans provide funds for both the restumping and renovation costs, and the loan is typically drawn down in stages as the work progresses.

It’s essential to assess your financial situation and consult with a financial advisor or mortgage broker to determine the most appropriate financing option for your restumping project.

How to Choose a Reliable Restumping Contractor

Experience and Expertise

Look for a contractor with extensive experience in restumping and a solid reputation in the industry. Experience indicates their knowledge and expertise in handling various restumping projects. A contractor with a proven track record is more likely to deliver quality work and provide effective solutions to address specific challenges.

Licensing and Insurance

Verify that the restumping contractor holds the necessary licences and certifications required by local regulatory authorities. A licensed contractor demonstrates compliance with industry standards and regulations. Additionally, ensure that the contractor has appropriate insurance coverage, including liability insurance, to protect you and your property in case of any unforeseen incidents or damages during the restumping process.

“By addressing foundation issues and maintaining a solid foundation, you’re safeguarding your property’s value and ensuring the safety and comfort of your family.”

References and Reviews

Ask the restumping contractor for references from previous clients and take the time to contact these references. Inquire about their experience with the contractor, the quality of work, and overall satisfaction. Additionally, read online reviews and testimonials to gather insights from other homeowners who have engaged the contractor’s services. Positive reviews and recommendations can provide reassurance about the contractor’s reliability and professionalism.

Detailed Quotes and Contracts

Obtain detailed quotes from multiple restumping contractors and compare them thoroughly. The quotes should outline the scope of work, materials to be used, estimated timeframes, and the total cost, including any additional expenses or potential variations. Review the quotes carefully to ensure all your requirements are addressed and that there are no hidden costs or surprises.

Once you have selected a contractor, ensure that the terms and conditions of the project are clearly stated in a written contract. The contract should include details such as payment schedules, warranties, dispute resolution procedures, and project timelines. Review the contract in detail and seek legal advice if necessary before signing.

Restumping Costs in Melbourne: A Close Look

Average Cost Range

Fully restumping a small to medium-sized home in Melbourne can cost between $10,000 and $25,000. However, it’s important to note that these are average estimates and the actual cost can vary based on the specific requirements of the project, such as the number of stumps to be replaced, the accessibility of the site, and the type of stumps used.

Restumping Costs in Other Regions

Restumping costs can vary across different regions in Australia. While the average cost range mentioned earlier provides a general idea, it’s essential to consider regional variations. Here’s a brief overview of restumping costs in other regions:

Restumping Insurance Coverage

Restumping may be covered by insurance in certain cases, depending on your policy and the circumstances surrounding the restumping project. Here are some factors to consider regarding restumping insurance coverage:

Home Insurance Policy

Review your home insurance policy to determine if it covers restumping. Some policies may include coverage for structural damage caused by faulty or deteriorating stumps. However, coverage can vary, so it’s crucial to read the policy carefully or consult with your insurance provider to understand the specific coverage and any limitations.

Pre-Existing Damage

Insurance coverage for restumping may depend on whether the damage to the stumps occurred before or after the policy was in effect. Some policies may exclude coverage for pre-existing damage, while others may cover the cost of repairs necessitated by wear and tear or structural issues.

Policy Exclusions

Check for any specific exclusions related to restumping or foundation repairs in your insurance policy. Some policies may have exclusions for certain types of properties, such as older homes or houses with certain construction materials. Understanding these exclusions will help you assess the coverage and potential costs involved in restumping.

To ensure you have the appropriate insurance coverage, it’s advisable to review your policy regularly and consult with your insurance provider to understand the specific terms and conditions related to restumping and structural repairs.

Introducing OzRestumping: Your Trusted Restumping Service Provider in Melbourne

When it comes to restumping your house in Melbourne, finding a reputable and reliable restumping contractor is essential. OzRestumping is your trusted partner in ensuring the stability and longevity of your home. Offering a wide range of restumping services, OzRestumping connects homeowners with reputable and experienced restumping contractors in Melbourne.

With OzRestumping, you can easily find and connect with restumping professionals who have a proven track record in delivering high-quality workmanship. The platform provides a streamlined process for obtaining quotes, comparing options, and selecting the best restumping contractor for your specific needs. Rest assured that the contractors recommended by OzRestumping are licensed, insured, and committed to delivering exceptional service.

Whether you require full restumping, partial restumping, or additional foundation repairs, OzRestumping is your go-to resource for finding reliable and skilled restumping professionals in Melbourne. Visit the OzRestumping website today to get started on your restumping journey and ensure the stability and safety of your home.


Restumping a house is a crucial home improvement project that ensures the stability and structural integrity of the building. By addressing signs of foundation issues and replacing deteriorated stumps, you can prevent further damage and secure the longevity of your home.

Understanding the importance of restumping, the signs that indicate the need for restumping, and the factors that impact restumping costs will help you make informed decisions about your restumping project. Additionally, exploring financing options, choosing a reputable restumping contractor, and considering restumping insurance coverage will contribute to a successful and stress-free restumping experience.

Remember, restumping is an investment in your home’s future. By addressing foundation issues and maintaining a solid foundation, you’re safeguarding your property’s value and ensuring the safety and comfort of your family. So, take the necessary steps to restump your house and enjoy the peace of mind that comes with a stable and secure home.