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Shocking reality! Be properly insured with correct values! - The Valuator - Natural disasters, fire damage, valuations, estimated replacement value, insurance

Shocking reality! Be properly insured with correct values!

The recent fires in the Cape have reinforced the message that individuals and companies MUST be properly insured. This includes being insured with the correct values to avoid unnecessary issues which can include Insurers applying the Average Clause if assets are not insured for the correct values. Many people believe it is the Brokers task to determine and assure that clients are fully covered in the event of a claim. However this is not in fact the case and Brokers are for ever advising clients to appoint a professional Valuer to value assets giving everyone involved peace of mind that should a claim ever arise, clients would be fully covered and not be in a position where their personal or business future is jeopardised due to the fact that destroyed or damaged assets cannot be fully replaced by funds from their insurance claim. This reality applies to under insuring assets and not having any cover at all in the hope that one never faces the devastation of a fire, flood or other natural disaster.

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The Valuator Group is one of only a few companies which offers such a wide range of valuation services covering a n umber of specialised assets. For individuals this includes residential and contents (including Fine Art & Antiques) valuations and on the business side this includes Buildings & Improvements, Plant, Machinery, Equipment & Vehicles, Contents and all other assets. The Group offers innovative and cost effective solutions like their 5 year Long Term Assistance Plan and other beneficial ways of ensuring that assets are correctly valued both for Estimated New Replacement Cost (for insurance purposes) and Open Market Value for Balance Sheet, sale and other purposes.