1) GAB Robins appraisal department has extensive experience in providing insurance appraisals for virtually every type of property, and is considered the leading insurance appraisal provider in the southeast marketplace.
2) Our appraisers have in depth experience with Florida Statute 718 and the National Flood Insurance Program guidelines, which enable us to provide our clients the most accurate estimate for hazard and flood coverage.
3) Our appraisal division consists of tenured people of no less than ten years construction cost valuation experience, and are Certified Construction Inspectors.
4) All GAB Robins insurance appraisals include thorough site inspections, utilizing construction plans whenever possible. If plans are not available, our experienced appraisers are invaluable by properly determining square footage and identifying building component construction.
5) A detailed report, including digital photographic gallery and thorough analyses are provided for each property.
6) GAB Robins utilizes data from two tenured national construction cost gathering companies. Quarterly construction cost data updates insure current cost information. Estimated values are cross- checked for reasonableness with local architects, engineers, general contractors and developers in area in which the property is located.
7) GAB Robins maintains a complete database of every insurance appraisal valuation performed on be- half of our clients. This data will be available on demand.
8) GAB Robins utilizes state of the art contact or data information software and technology, which allows maximum client serviceability. A response time of 24 hours or less is provided for any insurance valuation question, and we provide a 24-hour online e-mail service.


Why Have a Third Party Reserve Study...

"For many years, GAB has consistently provided our clients with a professional, detailed, yet concise value appraisal that focuses in on the necessary information. Their timely response and accurate reports have proven to be an asset to the clubs and the insurance industry. "
-Rob Papp, Senior Vice Presiden, Palmer and Ca, West Palm Beach


As a manager, you realize how a catastrophic loss can be devastating if your insurance coverage is inadequate due to an underestimate of your property's reproduction costs. As less dramatic, yet just as serious shortfall can occur when a major maintenance item hits and there are inadequate funds in the budget to handle it. Yet this is a disaster that you can also avoid through good planning and with the help of the experts at GAB Robins.

"I have found that many properties budget for maintenance and repair expenses based on past experience," says Stephen F. Brubaker, Reserve Study Specialist at GAB Robins. "This is not always the best approach." While no one can foresee the future, a good Reserve Study can prepare you to meet most maintenance and repair expenses without blowing the budget.

In its simplest form, a Reserve Study is a list of common maintenance items, when these repair/replacements are anticipated and an estimate of their cost. A professionally prepared Reserve Study is much more than that. It is a complete financial plan. In addition to

projecting repair cost, a Reserve Study should accurately project the remaining useful life of each component selected by the client to be included in the study and estimate which year each maintenance or repair item will be needed. A Reserve Study should also calculate the amount of annual contributions required to be added to existing reserve funds to ensure adequate capital is available to meet each expense item in the future.

Call today for more information about how a GAB Reserve Special ist can help you prepare for ongoing maintenance and repair items. Since the appraisers at GAB Robins are experi enced in both insurance appraisals and reserve studies, they can prepare both reports at the same time with one site inspection and at a savings over the cost of two individual reports. Remember that when selecting an individual or firm to work with, look at how long they have been in business, ask to see a sample copy of their reports, and ask about updates. Once the original insurance appraisal or reserve study has been performed, you should be able to obtain updated reports each year for a fraction of the original fee.

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