The ITV Capture™ insurance replacement value appraisal is our Residential flagship service/product.  It includes an on-site appraisal report that places an emphasis on summarized Insurance-to-Value results & site conditions.  This report is backed by an interior/exterior location inspection conducted by an InspekTech® Field Inspector resulting in an insurance pre-claim Site-Verified Replacement Value. This inspection type has proven itself time and again to be a perfect on-site Replacement Value report for insurance companies seeking reliable claims sq.ft replacement costing for underwriting purposes.  Onsite work provides the vital baselines for important replacement value updates via our ReCalc™ once each 3 years (Residential).

With over 1.1 million houses in British Columbia* and over 1 million houses in Alberta*, InspekTech® is here to roll up our sleeves for you on the insurance appraisal front.  We invite you to contact us for a free report trial.

Note:   An internal audit sampling in June 2021 of over 300 delivered InspekTech ITV Capture™ reports for the first ½ of 2021 resulted in Replacement Value (RV) known reporting errors at InspekTech® to be 0.28% per 100.   InspekTech’s approximate ¼ of 1% per 100 error ratio has been our representative RV known error range for at least the past 5 years (this is well below the 5% error range considered normal by AIC, the Appraisal Institute of Canada).

* Source: Canada Post (2024).  These figures exclude residential apartments, farms, and businesses.

The TOR™ (Total Outbuilding Report) is an added on-site appraisal report that parallels the much more robust ITV Capture™ report, both reports being at the same risk location.

TOR's are used when detached structures in question have finished space and/or have exterior and/or interior components that make the replacement value greater, or somewhat more exceptional, then an average structure of similar purpose. The TOR™ service and report essentially 'mini-replicates' the ITV Capture™ service/report (i.e. which addresses the primary dwelling) and focuses on any detached strutures that are above average and thus need a deeper dive to determine a proper valuation.

Examples of such outbuildings falling under a TOR™ service and report would be:  a detached garage with finished suite/living spaces, workshops with interior special finishes, a manufactured home on the property, or a habitable dwelling such as a guest house or cottage with full services. 

Please contact us for details.