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Valuation in the settlement of building insurance claim in model situations
Růžek, Matyáš ; Cupal, Martin (referee) ; Doležalová, Monika (advisor)
The subject of the diploma thesis is the comparison and evaluation of approaches and methods of valuation of selected building for insurance purposes. The thesis is motivated by the perspective of harmonization of domestic legislation regulating real estate valuation with foreign valuation standards. The theoretical part of the thesis presents the legislative framework of insurance and defines key concepts and principles in the field of valuation to the extent given for the needs of insurance companies. The analysis of domestic approaches and methods of valuation, as well as approaches and methods based on foreign standards, seeks a common initial basic platform for the harmonization of valuation standards. In the practical part, a reference building, an existing family house in the Karviná district, was chosen to simulate procedures within the framework of liquidation of an insured event and comparison of valuation methods. Based on the construction description of the reference building, the valuation is carried out using selected methods and then according to commonly used methodologies of insurance companies. The values obtained are compared and at the end of the work there is a proposal for an optimal approach to the valuation of buildings with the aim of more accurate calculation of insurance claims. The research methods used in the thesis are searches of domestic and foreign literature, analysis, comparison, own calculations, simulation and methods of valuation of buildings within the necessary scope of applicable legislative standards.
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