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It is important to ensure that your home or premises are insured to full reinstatement value. This is broadly speaking calculated on floor area, the age and the construction of the building and is connected to hypothetical rebuilding costs of the property being valued. The danger of under insuring the property however to current reinstatement value is that in the event of an insurance claim, averages clauses can apply which effectively will allow the insurance company to make a suitable deduction from any payout considered reflecting the percentage under valuation.