Insurance value estimate

Insure yourself in the event of a claim and optimise your insurance contributions


carré bleu nuit
  • To find out the amount of insurance to be provided in the event of a claim, for buildings, equipment and installations
  • To optimise your insurance premiums :
    • Underestimating insurance values compromises fair compensation in the event of a claim
    • Overvaluation of values leads to artificially high insurance premiums
  • To achieve economies of scale

The concomitant realization of a physical inventory and a preliminary estimate in insurance values makes it possible to optimize the costs of intervention.

Using an insurance expert allows the risk to be transferred to a professional.

  • To avoid the application of the proportional rule of the insured capital
  • Article L.121-5 of the Insurance Code stipulates:
     “If the estimates show that the value of the insured object exceeds the sum guaranteed on the day of the damage, the policy-holder shall be deemed to remain his own insurer for the excess and shall consequently bear a proportionate share of the damage, unless otherwise agreed”.     
    The proportional capital rule is in fact a sanction by the insurance company in the event of a claim when it detects a difference between the risk it has taken on as cover and the risk actually insured. It makes a rule of three between the amount of the claim, what the client has to pay and what he should normally have paid.
    An example will better illustrate the mechanism of the proportional rule:    
    Sum insured: €100m        
    Insured value on the day of the damage: €120M    
    Amount of the loss: 15M€ of which :         
    – 12M€ covered by the insurance company and     
    – 3M€ supported by the company

How to react in the event of a damage?

carré bleu nuit

In the event of a damage incident, two important elements must be taken into consideration:

To be assisted by an insurance expert

Unlike a company expert, who defends the interests of the insurer, the policyholder’s expert defends the interests of his client who has suffered a loss.

Why choose policyholder expert:

  • To establish a balanced business relationship between the insurer and the insured and avoid possible conflicts of interest.
  • To gain efficiency in the management of the damage.
  • To obtain a second assessment of the damage and its consequences; if the first assessment is questionable, a second assessment may be carried out on the initiative of the policyholder’s expert.
  • Last but not least, to ensure that the indemnity obtained is as fair as possible.

At Actidel we are policyholders experts and we are at the service of our clients to advise them throughout the process.

Knowing the steps involved in settling a claim

Actidel accompanies you throughout the procedure, both in assessing the damage and in managing the settlement of your claim.

The different steps in a claim settlement are as follows:

Declaration of the damage     
To the police or the insurance company          

Damage analysis        
Review of contracts (insurance, leases, financial leases)          
Examination of the causes and circumstances of the damage  
Assessment of the economic consequences   
Implementation of claims and claims procedures        
Estimation and determination of the damage with a view to indemnity

Insurance value estimate : YOUR ESTIMATION PROJECT

carré orange

The insurance value assessment is used to determine the values to be declared to the insurance company in the event of a claim. When taking out an insurance contract, the client is responsible for the values he declares to his insurer.

The use of an insurance expert allows the risk to be transferred to a professional.

Within the context of this service, Actidel provides the following elements relating to buildings, equipment and installations:

  • Legal status of the building (owned, rented)    
  • Gross and developed areas for each building
  • Police plan of the site                   
  • Value of identical reconstruction and deduction of obsolescence for each building
  • Legal status of assets (owned, rented, leased, third party)     
  • Precise inventory of fixed assets physically present on site
  • Replacement value as new and depreciation deducted, by location or by cost centre   
  • Focus on IT equipment
  • Summary files of values and areas.
  • Expert’s report
  • Every year we offer a replacement value update with depreciation deducted for buildings, equipment and installations, revaluing existing assets and taking into account new acquisitions and disposals.


carré jaune

Insofar as the insurance valuation is carried out in conjunction with a fixed asset inventory project, the client will benefit from economies of scale because the inventory serves as a common base for both services.

Privacy Preferences
When you visit our website, it may store information through your browser from specific services, usually in form of cookies. Here you can change your privacy preferences. Please note that blocking some types of cookies may impact your experience on our website and the services we offer.