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Property Damage and Business Interruption Valuation Solutions
Keeping Coverage Aligned with Today’s Costs
Proper valuation is a challenge for both property owners and insurers. High inflation, supply chain issues, and labor shortages have caused significant increases in property replacement cost values. While claims are paid in today’s dollars, premiums are collected based on valuations that, in some cases, might be three to five years old.
How can you be sure your coverage levels are in step with current costs? The Brown & Brown Property Insurance Practice has the specialized knowledge, technology, and partnerships to spot mismatches between your coverage levels and current valuations.
Uncertain about the quality of your valuation information? Is it incomplete or not current? We can provide benchmarking information to offer guidance on building and equipment valuations for your industry or geographic location. Using valuation platforms and software, the Brown & Brown Property team can help determine building replacement costs.
Long-term relationships with some of the world’s leading providers mean you get simplified access to thorough field appraisal reports, including primary and secondary construction, occupancy, protection and exposure (COPE) risk characteristics. Information from these reports helps with modeling and can also be shared with underwriters to help them properly underwrite and price your risk.
Business Interrupted Is Revenue Lost
Natural hazard catastrophe events, fires, and explosions damage more than property — they also hit the bottom line. You can insure against a revenue loss, but simply filling out a business interruption worksheet doesn’t capture all the information needed to get good coverage.
Brown & Brown Property Insurance specialists have the industry experience and partnerships to more accurately value complex business interruption exposures, business continuity, and supply chain challenges. We can offer:
- In-house analysis capabilities to more accurately determine damage and interruption valuations
- Integrated access to specialized third-party providers to physically assess property damage valuations
- In-house loss prevention and analytics groups to help with recovery planning, spare equipment, and capacity and backup plans
Additional Resources
How Parametric Insurance Helps Withstand Systemic Risks | Future of Risk Blog Series
Climate volatility, natural disasters and supply chain disruptions create systemic risks — where the ripple effects of a single event stretch across industries and borders. Wildfires in Canada can idle U.S. factories. A drought in Argentina can have ...
Market Trends
Our 2026 report unites Brown & Brown and Risk Strategies resources, knowledge and proven experience to deliver stronger insurance solutions for commercial insurance, employee benefits and personal insurance.
Powering the Future of Digital Infrastructure
Executive Summary The rapid expansion of data centers and digital infrastructure driven by artificial intelligence, cloud adoption, and high performance computing has fundamentally altered the role of power within the sector. Electricity is no ...
Systemic Pressures in Logistics and Transportation | The Future of Risk Blog Series
The logistics and transportation sector is navigating a perfect storm of systemic risks. From the entrenched use of 1099 labor to rising liability limits, private equity-funded litigation, demographic pressures and the uneven adoption of technology, ...Explore Other Property Insurance Solutions
Connect with Brown & Brown
Brown & Brown helps property owners and organizations validate and optimize their property and business interruption valuations. Our advisors leverage advanced modeling tools and industry partnerships to help ensure your coverage reflects true replacement costs and operational realities, supporting resilience and financial continuity.