The determination of the insurance valuation of a property, of a company or its assets is up to
the insured. However, in a scenario which is the current one, extremely fragile and uncertain,
subject to constant change and innovation, it constitutes a major problem, even for the more
organized structures, as external factors (inflation, technological change, regulatory changes, etc.) and
in-house (new investments, substitutions, transfers, improvements, etc.), are added to the interpretational
difficulties of the insurance estimator, very easily leading to excessive of defective determinations,
with intuitable negative consequences at the time of claims settlement .
To protect businesses in this arduous and difficult task, the clause "Insurance with declaration of value", was introduced in the Policy, an important form of guarantee that the insured may request to make use of for the preliminary estimate.
This must be executed in terms of insurance estimation by a third juridical entity, competent and qualified, ensuring the performance of the service in full compliance with the aims and norms governing the matter, additionally, so very complex and delicate.