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Chubb doesn't Leave your home to chance to rebuild
your home
Chubb complimentary home
appraisal service is one of the reasons customers choose Chubb to insure
fine homes. In the year 2002 alone, Chubb professional appraisers conducted
approximately 51,000 home appraisals for customers all over the world. The
purpose of this service is to estimate what it would cost to rebuild your
home so you can determine the amount of coverage you need.
The benefits of a Chubb appraisal:
 | Determining replacement cost—Many
insurance companies use basic insurance valuations (based on room counts,
square footage, and other simple metrics) or a home's market value
(the price for which your home might sell) to determine the amount of
coverage. Basic valuations can substantially underestimate the
costs to rebuild, especially with older homes and homes with custom
features. Also, if you insure your home for its market value, you
could easily pay for too much coverage if the market is high. Market
value reflects a host of factors unrelated to building costs, such as
the home's location or the reputation of its corresponding school system.
Chubb's home appraisal service can help you determine what it would cost
to rebuild your home with similar quality materials and craftsmanship,
thereby allowing you to decide on the amount of homeowners coverage you
need.
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| Learn how to better protect your home—Chubb's
specialist appraisers are trained in the essentials of fire protection and
home security. While at your home, they may suggest ways you can reduce
the chances of loss to life or property in your home. |
How a Chubb in-home appraisal works:
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If you receive this service from Chubb,
one of our approximately 200 specialist appraisers will
visit your home. Our appraisers are highly trained and have expertise in a
variety of fields, from architectural and interior design to fine arts and
historic preservation. If you wish, they can help you locate a specialist
for valuation of your home's contents and valuables.
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The Chubb appraiser will take a number of
measurements and record detailed information needed to help estimate your
home's rebuilding costs. The appraiser also will photograph the interior
and exterior of your home to document its features, and if needed, offer
recommendations aimed at reducing the potential for loss. For most homes
the process takes about an hour.
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| Finally, for many customers, Chubb creates
a bound report detailing our appraisal and recommendations and sends it to
you and your agent or broker. Based on the information in the appraisal,
you can work with your insurance agent or broker to decide on an
appropriate amount of coverage. |
The Premises Survey:
Protect your valuables from the possibility of loss.
Collecting valuable pieces should not begin
and end on the auction room floor. Buying a precious item is just the first
step. Making sure it's protected comes next. As a complement to your
Masterpiece
Valuable Articles policy, Chubb proudly offers
free premise survey to help protect your valuables from the possibility of
loss. Our dedicated collector specialists can conduct an inspection of your
home, office or storage location and offer:
| Guidance on proper storage and display
conditions |
| Evaluation of environmental exposures |
| Identification of problematic areas |
| Fire protection and security
recommendations |
| Review of valuable items scheduled with
Chubb. |
To arrange a premise survey, please
contact John Taylor ( 831) 643-2048
Chubb Claims Reporting 24 hrs- 7 Days
Call 1-800-CLAIMS-0 (252-4670)
**This information is advisory in nature.
No liability is assumed by reason of the
information in this document.
see actual policies for conditions, restrictions of coverage's.
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