INSURANCE VALUATIONS

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VALUATIONS FOR INSURANCE

Many years of valuation experience have shown us that more than 78% of the clients we visit are under insured with the consequent risk that any claims for damage or loss might be only partially met. An accurate and up-to-date Valuation by an independent specialist provides the comfort of knowing that valuable possessions and household items are correctly insured and that any settlement would accurately reflect loss or damage. A valuation report can also expedite settlement of any a claim.

 

Full Insurance Valuations

A confidential and discreet service which offers a fully detailed and illustrated contents inventory (link to example) of all your personal possessions and household items, cataloguing them fully, providing details, sizes, values and illustrations etc, all produced in a professional bound document.

We discuss the threshold level to itemise over and find out exactly what you/your insurer requires and if required globalise the remainder, by category, by room.  All our valuation documents include a detailed illustration, summary by category.

 

Walk Through Validation

A confidential and discreet service which offers a fully detailed and illustrated contents inventory (link to example) of all your personal possessions and household items, cataloguing them fully, providing details, sizes, values and illustrations etc, all produced in a professional bound document.

General contents will also be included providing cross room shots and listing of general contents including linens; clothing; shoes and handbags; carpets and curtains to ensure these area are also covered which many people forget.

We discuss the threshold level to itemise over and find out exactly what you/your insurer requires and if required globalise the remainder, by category, by room.  All our valuation documents include a detailed illustration, summary by category.

By having a specialist Art and Antiques valuation underwriters can offer lower premiums with Nigh Net Worth insurers and schemes.  We are approved by all of the major insurers and our valuations are accepted by all insurance companies and brokers.

 

Premiums

Accurate valuation and regular review can reduce your premium as well as give you peace of mind.  If you have never had a valuation or validation completed we would strongly advise this.

An up-to-date Valuation may not necessarily result in higher premiums. Fine Art and Antiques are classed as ‘low risk’ and so have a lower percentage premium. Separating them from ‘General Contents’ may even attract lower premiums.  A full Insurance Valuation may also lead to a discount on an existing premium and fulfil all requirements a broker needs to do to comply with the Insurance Act 2016.

Should you find yourself under-insured when making a claim, this can have a devastating effect if your insurers apply average or you are seen as deliberately under insuring.

 

Charges

We offer a free initial assessment on a full household insurance valuation.  It allows us to tailor the Valuation to suit both the client’s and insurer’s requirements. For example, there may be certain categories which you wish to insure at an “agreed value “rather than “full replacement value”. The assessment is followed by a written quotation with a fixed charge. Please see our Terms & Conditions.

Our fees are charged on an hourly basis (minimum of 2 hours) per specialist and not by the value of the item.  For a quotation please Contact us today.

 

Standards

Working with most of the leading Insurance Companies, Doerr Dallas Valuations has come to be regarded as one of the most highly regarded specialist valuation businesses in the UK.  We always try to work with the minimum of disruption to our clients. We pride ourselves on a reputation for integrity, knowledge, courtesy and professionalism and work to Service Standards.

 

Security

We appreciate that Security issues are likely to be a concern to our clients. Valuation documents are treated with the highest security.  Our IT systems are robust and operate to the highest Industry standards with regular reviews