You have just been the victim of a water damage which damaged your paintings? Or worse, a thief has taken all your jewelry or a fire has broken out in your home? In order to be quickly and correctly compensated, after the emotional shock, it is time to evaluate the loss and establish a claim document called "statement of loss ".
Naturally, on digital or paper files, you should start by listing the damaged or missing goods and number them in chronological order. Then you have to look for the corresponding receipts. You will also need invoices, photographs, receipts. Have you found them! Be careful not to try to make them after the fact. It is a risk to go through the fraud department.
A model form is usually sent by your insurance company on which you will have "certified, true and sincere" or even a "definitive statement" on your claim.
The expert will have to reclassify the goods by contractual category according to the definition of each insurance company. For example, a watch may be considered as a valuable object, depending on a unit price or not, a jewel, a piece of furniture, a precious object. These details are generally found in the lexicon of the general conditions of your comprehensive home insurance contract, with the corresponding coverage limits and deductibles.
Evidence of the existence and value of the property is required to support the award of monetary compensation.
If the object has been damaged, it is visible for an expertise
In the case of a theft, the photograph cannot be considered as proof of the value of the property. For jewelry, 375th gold has often replaced 750th gold and imitations are common, even for the largest jewelers.
The brands BURMA or APM monaco are very trendy and use the codes of the jewelry at accessible prices. It is therefore advisable to carry out "preliminary inventories" of your goods either by keeping the original invoices or by calling on professionals.
The prices proposed by the expert are based on the terms of payment appearing in the general or particular conditions of the multi-risk home insurance contracts: replacement value, purchase value, purchase price, depreciation deducted, average price on the same market as the second-hand market, average price in auction rooms... check your optional guarantees. We advise you to update them every 3 to 5 years.
The principle of compensation is based on putting the insured back in the same situation as before the loss. In practice, we notice that prices vary upwards, for example in leather goods, watches or luxury jewelry, and downwards in computers and telephony.
"Legally, the indemnity cannot be a source of unjust enrichment", which is why the price estimated by the expert corresponds to an asset of equivalent nature and characteristics on the day of the loss.
In short, in case of a claim, it is necessary to prove the existence and the value of the goods. This is why we invite you to reread your general and particular conditions to verify the options and ceilings subscribed. This is the reason why we advise you to have a preliminary inventory of your precious objects made by a qualified professional.
