Insurance and claims
Replacement values.
A poorly insured object is a poorly protected object. A justified insurance value and solid documentation make compensation easier in the event of a claim.
Who it is for
- Owners of pieces or collections who want to insure them properly.
- Insurers and brokers looking for a specialist opinion.
- Victims of a claim, a theft or damage.
How it works
- Inventory and description of each object, with photographs.
- Assessment of replacement value, consistent with the contracts.
- In the event of a claim: survey of condition, assessment of the loss or depreciation.
- Report delivered to the client and, with their consent, to the insurer.
What you receive
- An illustrated, valued inventory.
- An argued insurance value.
- In the event of a claim: a damage assessment report. A structured loss report is provided to the insurer.
Limits and precautions
- The practice is not an insurer and does not rule on whether a claim is covered.
- Assessing damage may require further opinions (conservator, carrier).
- An insurance value may differ from market value: see valuation.
Fees are quoted before any work begins and never depend on the estimated value. See fees and transparency and the step-by-step process. To prevent damage: preventive conservation.
Frequently asked questions
Going further
How often should objects be revalued?
It is advisable to review insurance value regularly, since the market changes. A review every two to three years is generally recommended.
Can you work with my insurer?
Yes, on request, respecting the confidentiality of your file and your instructions.
What should I do in case of theft?
Document the object (photographs, descriptions), report the theft to the authorities and the insurer, and alert market professionals. The practice can help assemble the file.
Next step
Insure or report a claim.
Describe your piece in a few lines and attach photographs: the reply is confidential.