How can my insured assets be best determined?

Preliminary assessment

What capital should I declare to my insurers? How can I avoid both underinsurance which is prejudicial in the event of a loss and overinsurance with its effects on premiums?

As a rule, the values taken into consideration by insurers are:

The identical replacement value of the property
With a possible adjustment for depreciation deriving from wear and tear

These new replacement or insurance values are therefore very different from the historical acquisition appearing on the balance sheet.
Our service specializing in the provision of preliminary assessments of insured capital including buildings, equipment, contents and works of art draws up certified reports which may enable you to take advantage of a rescinding of the average clause rule in the French context.

How can I appreciate my maximum possible loss?

Our extensive experience in loss claim settlement and our far-reaching expertise in terms of preliminary assessments of insured capital mean we can undertake consultancy assignments tailored to your every need which, in relation with your insurance broker, will enable you to define a Contractual Limit of Indemnity.

How can I map my different sites and rank the insured capital to be covered?

All our preliminary assessment reports are organized as dedicated databases which remain the property of our clients.

These databases make it possible to sort and bring together the estimated assets using any relevant criterion defined beforehand, such as the level of protection of the premises or the subsidiary cost account.

Hence it is possible:

To consolidate separately the assets in various protected areas which may be eligible for special pricing,
To break down capitals for accounting purposes according to the relevant cost centres.

Collomé Frères also offers its GeoValue solution for:

Identify and organize your damage and business interruption insurance capital issues with regard to their geographical location and their exposure to different risks,
Offer you better visibility of your risks.

Find more information on our site dedicated to preliminary expertise.

I am not considering having an assessment of all of my risks carried out but I would like to control the quality of the insured capitals passed on to me.

We can offer a wide range of simplified services, from the reassessments of existing fixed listings to carrying out test appraisals.

How can the Contractual Limitation of Indemnity of one of my early industrial sites be based on the replacement value of an up-to-date production tool and not on its identical replacement value?

We can provide proven assessment solutions which only take into account the real economic needs of the business.

How can the issues surrounding an operating loss be evaluated in the event of a major disaster?

We undertake on-demand assignments, ranging from a preliminary evaluation of the gross margins to be covered, to the in-depth analysis of simulated losses and of their consequences on your business. These tasks can be built into a forward-looking loss prevention policy, possibly carried out in collaboration with your insurance brokers.

Can you supply a competitive service including the management of my fixed assets, as well as assessments of the economic and insurance values?

We offer you the benefit of a comprehensive assignment package allowing for genuine synergies in the implementation of services rendered, in particular during the on-site physical data collection stages.