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Asset records & property insurance

Everything you own.
Everything you’ve declared.Make every difference visible.

Bring your asset register, valuations and policy schedules together. Identify discrepancies, review the evidence and prepare a clearer record for renewal.

For insurance, risk, finance and asset teams managing physical asset portfolios.

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Reconciliation statement — ISR 2026–27

Illustrative · AUD
Site
Indexed valuation
Policy schedule
Difference
Brisbane Operations CentreIndexed valuation · current
$142,800,000
$142,800,000
Within tolerance
Rockhampton Rail FacilityValuation 2021 · indexed to 2026
$97,340,000
$84,150,000
−$13,190,000VAL-002 · Critical
Toowoomba DepotAcquired Mar 2026 · no schedule match
$38,600,000
Not on schedule
−$38,600,000POL-001 · Critical
Subtotal — three illustrated sites
$278,740,000
$226,950,000
−$51,790,000

Fictional figures. An unmatched schedule item is counted as zero in this comparison; coverage requires review of the policy terms.

Inspect the Rockhampton finding ↓

From records to decisions

A difference is the start of the work.

See the comparison, understand the finding and keep the decision connected to its evidence.

  1. 01

    Bring records together

    Connect valuations, declarations and policy information.

  2. 02

    Review the differences

    Inspect the rule, records and calculation behind each finding.

  3. 03

    Record the decision

    Record the review and resolution when the issue is addressed.

Worked example · fictional records

VAL-002 · Critical

Rockhampton Rail Facility

Declared value below indexed valuation

Indexed valuation
$97,340,000
Scheduled value
$84,150,000
Difference to review
$13,190,000
Method
VAL-002 · v2.2

What happens next?

The insurance team reviews the valuation basis and scheduled amount with the relevant records at hand.

Follow the example through to closure
  1. EvidenceCompare the valuation, indexation calculation and policy schedule.
  2. ReviewAcknowledge the finding and investigate the difference.
  3. Follow-upConfirm any required declaration correction and supporting documentation.
  4. ClosureUpdate the records and preserve the resolution history.

Valuations & declarations

Values can move between declarations.

When indexed valuation changes while a declared value stays fixed, a difference develops. Make it visible so your team can assess whether an update is needed.

How a valuation difference can build between declarationsIllustrative index, starting at 100. The indexed valuation rises to 106, 112 and 118 over three years. The declared value stays at each prior level until it is updated at the end of that year. The shaded difference reaches six index points before each update.Illustrative value index · starting value = 100100106112118Year 0DeclaredYear 1UpdatedYear 2UpdatedYear 3Updated
  • Declared value
  • Indexed valuation
  • Difference to review
Illustrative only: assumes steady index growth and declarations updated to the indexed value annually. Values and update dates can vary; declarations may also change during a policy period. The shaded difference is not a determination of insurance coverage.

The product

One record, read three ways.

Move from portfolio position to evidence, then prepare for the events that change it.

Position

See your portfolio and declarations together.

  • Command Centre

    Review portfolio exceptions and estimated exposure.

  • Portfolio Map

    Understand geographic concentration and hazard context.

  • Asset Register

    Connect each asset to its valuation and declaration history.

  • Policy Digital Twin

    Inspect schedules, limits, sub-limits and deductibles.

Assurance

Understand what needs review, and why.

  • Reconciliation

    Review discrepancies and record a decision on each finding.

  • Valuation Assurance

    Check valuation age, method and indexed value.

  • Business Interruption

    Compare recovery estimates with indemnity periods.

  • Risk Engineering

    Track recommendations through to closure.

Events

Prepare for changes, renewal and claims.

  • Material Changes

    Track changes and insurer notification status.

  • Renewal Readiness

    Review declarations and attestations before submission.

  • Claims Readiness

    Identify missing evidence before an incident.

  • Exceptions

    Keep open findings and their decision status in view.

Evidence & assurance

Know how a finding was reached.

Each finding records the rule, method version and calculation evidence used. The same inputs, assessment date and method produce the same result.

  • AccessOrganisation-based access with role permissions and multifactor authentication.
  • EvidenceReview source records and the calculation trace behind a finding.
  • HistoryRetain changes so prior records can be examined.
  • DecisionsRecord who acted and preserve the decision history.
  • ReviewMove findings through controlled review and resolution actions.
  • Data locationThe application database is hosted in Sydney, Australia.
Explore the four assessment rules

POL-001

Potentially uninsured asset

Flags an asset with no matching schedule item.

VAL-002

Declared value shortfall

Compares scheduled value with indexed valuation.

BI-001

Indemnity period mismatch

Compares indemnity period with estimated reinstatement time.

VAL-004

Stale formal valuation

Flags valuations beyond the applicable age threshold.

Getting started

Start with a clearer view of your portfolio.

Access is provisioned per organisation. Email to discuss your portfolio and access requirements.

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You can also email access@assetcoverintel.com.

AssetCoverIntel — asset and insurance reconciliation