Services

Insurance Valuations

Under-insured when disaster strikes? We deliver replacement cost valuations backed by verified asset data — so cover matches what rebuilding actually costs.

Book value and last year's policy sum are not replacement cost. When buildings, plant, and infrastructure need to be reinstated after a loss, the gap between declared values and actual rebuild costs can be catastrophic.

Lenders, insurers, and committees increasingly require defensible valuations — not estimates based on outdated schedules or generic per-square-metre rules of thumb.

The problem

Under-insurance is invisible until you need cover most

Valuation gaps create financial exposure that only surfaces during renewals, funding reviews, or — worst case — after a loss.

  • Sums insured based on outdated or incomplete data

    Asset schedules drift. Construction costs rise. Policy sums stay static. The result is cover that looked adequate on paper but falls short when reinstatement quotes arrive.

  • Book value mistaken for replacement cost

    Finance depreciation and insurance replacement cost measure different things. Conflating them leaves organisations materially under-insured on critical assets.

  • Committees and boards unable to verify adequacy

    Directors and committee members carry governance responsibility for insurance adequacy. Without independent valuation reports, they are approving cover blind.

  • Funding applications rejected for weak valuation support

    Lenders and insurers reviewing funding or refinancing requests want methodology documentation and current replacement cost evidence — not verbal assurances.

Our approach

Replacement cost valuations grounded in verified asset data

Asset Counts combines asset verification, condition information, and structured valuation methodology to produce reports insurers, lenders, and committees can rely on.

Our valuation programs start with what you actually own. We review and verify asset schedules, incorporate condition and location data where relevant, and apply replacement cost methodology appropriate to your asset types and insurance requirements.

Reports document assumptions, methodology, and findings clearly — giving underwriters, brokers, and governance bodies a defensible basis for cover decisions. For body corporate schemes, we support sinking fund and insurance adequacy reviews alongside replacement cost reporting.

Where register or inspection gaps exist, we identify them so valuation inputs are complete before sums insured are set — not discovered after a claim.

What you receive

  • Replacement cost valuation reporting with methodology documentation
  • Asset schedule review and verification
  • Reports formatted for insurers, lenders, and committees
  • Support for funding applications and policy renewal submissions
  • Identification of schedule gaps affecting valuation accuracy
  • Recommendations for cover and sinking fund alignment

What changes for your organisation

Cover that reflects real reinstatement costs

Sums insured based on current replacement data — not outdated schedules or deprecated book values.

Governance confidence for boards and committees

Independent valuation reports that support informed decisions on insurance adequacy and funding.

Smoother renewals and funding processes

Documentation lenders and underwriters accept — reducing delays and last-minute valuation scrambles.

Our approach

How we work with you

We align valuation scope and methodology with your insurer or lender requirements before commencing — so deliverables meet their documentation standards.

Scope your requirements

We review your sites, registers, inspection needs, and objectives to define scope, standards, and timelines.

Inspect & capture on site

Our teams assess, verify, map, and document assets and property elements with consistent standards at every location.

Deliver clear reports

You receive registers, inspection reports, valuations, and compliance documentation ready for insurers, committees, and leadership.

Know your replacement costs before renewal

Share your asset schedule and timeline — we will scope a valuation program with clear deliverables.

Start an enquiry

Related services