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
We tailor our valuation to your needs; once we have a full understanding of your requirements, and following agreement, we will place the correct team of specialists into your home.
We provide a confidential and discreet service whereby your information is securely stored into our personal collection management program. Our team of specialists will produce a detailed report providing a photograph of each item for identification purposes and will provide a detailed description/contents inventory of all your personal possessions, all produced within a bound document with notes of Provenance and relevant Exhibitions detailed within, together with a summary by category.
A yearly review is also offered as part of our services as a desktop exercise.
Walk Through Validation
An informal yet detailed inspection of your home is made by one of our senior valuers taking approximately 3 hours to complete. The appraisal is completed room by room, categorising items correctly and placing values for replacement purposes. We will provide you/your insurer with a detailed report showing total value by category. Items over £10,000 will be identified and listed separately (max 10 at our set fee) including illustrations. Any areas of concern will be discussed with you.
This is a service which is recognised by the insurance industry.
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.
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.
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.
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
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