Hirons & Associates has assembled a team of valuation consultants with unparalleled experience providing property appraisal services. With over 100 years of combined experience, we have the knowledge and expertise to establish consistent, reliable valuation conclusions. We are driven by a commitment to building and maintaining long-term relationships rather than short-term profits.

Our valuation conclusions are used to establish accurate underwriting data, equitable distribution of premiums for risk sharing entities, proof-of-loss substantiation and assure accurate insurance-to-value. Our reports provide accurate and consistent data for rate development as well as assisting with exposure analysis. Our commitment to every client is complete satisfaction, from start to finish.

Our insurance valuation services of contents include two options:

Contents Appraisal- "Tally" Method

HAI can estimate the value of contents utilizing a combination of modeling and a tallying of the contents. This is a unique approach that is not commonly employed by others in our field.  It requires slightly more man-hours than the typical "modeling" utilized by other companies.  However, we are confident that this is a much more accurate methodology.  

For most buildings/structures, HAI conducts an equ ipment tally utilizing a room-by-room inspection approach.  This comprehensive approach will provide a reasonably accurate estimate for your primary building occupancy types for premium-to-exposure coverage that can be used by underwriters, claims professional and agents, but will not be a detailed, line-by-line inventory.

Contents Appraisal - Inventory Method

A physical inventory will be made of all contents in each building. Assets with a unit cost greater than a predetermined amount will be individually listed with pertinent data on each asset. Assets below the established threshold will be listed by like asset group with quantity and total values indicated.

Our content inventory procedures include:

1. Site walk-through to determine appropriate room, department and risk coding
2. Physical inspection and inventory of all contents (may include barcode tagging)
3. Record appropriate data for each asset or group of assets. This information will include:

Certified reports are provided allowing for accurate underwriting data and proof-of-loss documentation. A detailed listing of all unit control assets and grouped assets are included sorted based on the clients needs.

The Hirons & Associates team has many skills including senior members of the American Society of Appraisers (ASA) with backgrounds in engineering, construction management and business. We are affiliated with the University Risk Management and Insurance Association (URMIA), Public Agencies Risk Management Association (PARMA), Public Risk Insurance Management Association (PRIMA), Association of Governmental Risk Pools (AGRIP), and Risk and Insurance Management Society (RIMS).