Canada-wide · Insurance Appraisals
Defensible Insurance Appraisalsfor property across Canada.
Independent Replacement Cost Valuations (RCVs) and Insurance-to-Value reviews, undertaken by an MRICS professional, for commercial, industrial and residential property across Canada. Clear assumptions, plain-English reports, fees confirmed before work starts.
No payment is taken online. Scope and fee are confirmed with you in writing first.
Canada-wide
Based in Calgary, AB
In writing
Scope & fee confirmed first
No online payment
Nothing charged on this site
Desktop
No site inspection
Services
Three ways we work with property holders.
Each engagement states its basis, assumptions and limitations clearly, so owners and brokers can see how the figure was reached.
Insurance Appraisal
Replacement cost estimate for a single building with a site inspection, costed using current Canadian construction data.
Desktop Appraisal
Indicative RCV from client-supplied details, no site inspection, for eligible residential (including condominium), retail, education, commercial and light industrial property. CA$399 for one straightforward whole condominium building; other property types quoted after scope review.
Learn morePortfolio Revaluation
Multi-asset programs for funds, trusts and property managers — custom quote.
Why it matters
An out-of-date sum insured is an easy risk to miss.
Construction costs move, and a sum insured set years ago may no longer reflect what it would cost to rebuild. Where a policy contains a co-insurance clause, being insured below the required amount can reduce what is paid on a partial loss. How that works depends on the wording of your policy — your broker can confirm it.
- An independent figure to compare with your sum insured
- Replacement cost on a like-kind-and-quality basis
- Cost build-up using current Canadian construction cost data
- Assumptions and limitations stated in writing
Engagement
A measured, four-step process.
- 01
Initial enquiry
Brief site detail and tenure information so we can scope and quote.
- 02
Scope confirmation
Scope, fee and timing confirmed in writing before work begins.
- 03
Site inspection
On-site inspection with measurements, photographic record and construction notes.
- 04
Report delivery
Written report with the replacement cost estimate, its basis and supporting rationale.
Sample report
See the format before you commission.
Download an illustrative sample report to see the general layout: methodology, cost build-up and assumptions. It is prepared on a fictional industrial property, is not signed, and is not a report on any real building. Actual reports vary with the scope agreed.
- Property summary and illustrative replacement cost estimate
- Itemised cost build-up using Canadian construction data
- Assumptions and limitations section
Illustrative sample — fictional property
PDF · 2 pages · fictional data · illustration only
Ready to commission an Insurance Appraisal?
Single-asset appraisals from CA$1,499. Portfolios and complex properties require a custom quote. Fees are confirmed in writing before any work starts. No online payment is taken.