03/06/2026
“The time to be having these conversations is when placing cover, not standing in front of burning embers.”
Insurance is probably the best product your client hopes they’ll never use. But if the worst happens, that promise on a page has to perform.
That was one of the key themes in our latest episode of Momentum Meets, where Alistair Body sat down with Zoe Davenport from B*H to discuss underinsurance, reinstatement cost assessments and the importance of accurate declared values.
Underinsurance isn’t just a technical issue. It’s a client outcome issue. If a property’s declared value is wrong, the consequences at claim stage can be significant, even when the loss is only partial.
For brokers, this creates a real opportunity to add value. By helping clients understand the difference between market value and reinstatement cost, evidencing key conversations, and encouraging appropriate professional valuations, brokers can give clients greater confidence that their cover will respond when it matters most.
Listen now: momentumsolutions.co.uk/podcast
