Page 4 - Quastel Associates valuation services
P. 4
HOME CONTENTS APPRAISAL
We find that around 80% of the clients we visit Once the main appraisal is complete, the valuer
are incorrectly insured. will sit down with the client and ask about other
categories that may be out of view, for example:
The Home Contents Appraisal provides an
overview of the contents and highlights specific • Clothing and personal effects
high value items. • Bicycles, computers, luggage and household
linen
The valuation splits the contents between art, • Guns, wine and musical instruments
antiques and collections and modern contents • Garden furniture, ornaments and tools
and reduces the risk of being under or over
insured. THE REPORT
METHOD Our calculations are based on the retail
replacement cost of possessions, not auction
On arrival our valuer will walk round the prices, and will reflect the cost of refurnishing
property, making their notes. The valuer will the home to a similar standard.
then move from room to room calculating
the totals for each category required by the The valuation report and certificate of valuation
insurance company and will specify any items are presented as a bound hard copy and a
above £30,000 with a photograph and full password protected PDF document. These are
description. normally received within 2 weeks.
There is no set time limit on how long the INDIVIDUAL VALUES
valuation lasts but they are normally completed
in two to three hours. We do ask you to appreciate that whilst a Home
Contents Appraisal will provide a very good idea
of how much to insure contents for, it will only
provide values and photographs of individual
items if they are above £30,000.
FEES If there are more than 12 items above £30,000
or the value of contents exceeds £1m, please
These are calculated on the size of your home, contact us to discuss further, as a detailed
using bedroom numbers as a guide. We use the Bespoke valuation may be more appropriate.
estate agent’s description; to mean any room
normally classed as a bedroom, regardless of All of our fees are exclusive of travel (based on
current use. mileage) and VAT.
1-2 bedrooms £440 We offer a 10% discount across all major
3-5 bedrooms £490 insurers.
6-8 bedrooms £540
9 bedrooms and above Please enquire
Additional habitable properties £150
4 5
