Damage assessment. The causes and consequences of the claim are assessed by mutual agreement or, failing this, by a jointly agreed third-party expert assessment, subject to the respective rights of the two (2) parties. The fees for this expert assessment will be shared between the parties. If the parties are unable to agree on the selection of the third-party expert, one will be appointed by the president of the Court. This appointment is made on simple request, which we sign or which only one (1) of the parties signs, the other having been summoned by registered letter.
Damage assessment. The indemnity owed is calculated based on the original receipts produced by the Insured Person; or, otherwise, based on the replacement value of objects of the same type, minus the deduction for Wear and Tear, and up to the limits shown in the Cover Table. • Jewels, watches, pearls, gemstones, and objects made of precious metal are indemnified only upon presentation of the original receipt; or, otherwise, upon presentation of an estimate that is certified by an approved expert. No Wear and Tear shall be applied. • Items associated with images and sound, and their accessories will be indemnified upon presentation of their original receipts; based on their value on the day of the damage, estimated based on their official cost on the second hand market. • The indemnity owed in the event of damage to Insured Property which can be repaired is calculated based on the repair bill. • In every case, the indemnity owed is estimated by mutual agreement and may never exceed the amount of the loss; it also does not include Resultant Consequential Loss such as transportation charges or telephone charges.
Damage assessment. The causes and consequences of the insured loss are assessed by mutual agreement, and failing this, by an amicable third- party expert evaluation, subject to the respective rights of the Insurer and the Insured Person. The fees for this expert valuation are shared between the parties. If the parties are unable to agree on the selection of the third party expert, the appointment will be made by the Presiding Judge of the Tribunal de Grande Instance [superior court] of the Policy Holder’s place of Residence. This appointment will be made in a written request signed by the Insurer or by only one of the parties, with the other having been summoned by registered letter.