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Chubb Home Appraisal – A Case Study

Published: 17/05/2017

Chubb Home Appraisal – A Case Study 

This short case study highlights the need for accurate buildings and contents appraisal as part of the insurance process. 

The client wished to insure two London properties: his main home – a six bedroom house in its own grounds – and a mews house that he rents out.

With home appraisal
One of Chubb’s expert risk consultants assessed the
 two houses, recording construction and finishes for any restoration work, and reviewing the contents.

The main home was insured for £2.5 million and the mews house for £1.1 million. Following a full appraisal of both properties, the sum insured for the main home was agreed as correct but the mews house was reduced to £330,000. It had been insured at its market value, not its rebuild cost.

However, the main property’s contents cover was too low
– the client’s clothing alone exceeded the total limit noted on the existing policy, and his wine collection worth £18,000 was not included at all. It was recommended to increase the contents sum insured from £125,000 to £400,000.

The appraiser also made recommendations about fire, security and other protection measures, including the relocation of some paintings to prevent sun damage. All recommendations were set out in a summary report sent to the client, helping them reduce risk and save money.

With the key values agreed upfront, a future claim settlement can be faster and fairer.

With an ordinary policy
The client would have to work out the sums insured himself. These sums will be assessed at the time of 
a claim, and any under-insurance could mean the claim being reduced by the percentage of the under-insurance – meaning that they are not properly covered.

Choosing a broker

It should be noted that Chubb is not the only insurer who include the appraisal service automatically within the policy. At Flint we would consider a range of insurers for a particular risk based on the property, contents etc. Even if an insurer doesn't include this service, Flint can recommend other independent appraisal services prior to taking out cover. Having a broking service means that we work with clients to decide the best option for them. 

If you would like a high value home quotation or advice about your insurance call Mike Nightingale 020 8309 5000 or mobile 07718 582809 or via email mikenightingale@flintinsurance.co.uk 


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