When property damage occurs, accurate data is the foundation of a defensible loss calculation. Every decision relies on the quality and precision of the underlying data. Incomplete or inaccurate information can lead to underpayment, delays, or disputes that slow the entire claims process.

From financial records and repair estimates to production reports and utility data to lost revenues calculations, the numbers tell the story of the loss. Without accurate, consistent, and well-documented data, even the most experienced claim professional can struggle to present a clear and credible case.

1. Data Integrity Matters

Strong loss calculations start with reliable, well-organized data. The supporting documentation should be complete and traceable, allowing anyone reviewing the claim to easily follow how each figure was derived.

The key types of data to verify include:

• Pre-loss data: establishes baseline conditions and normal operating levels.

• Loss-period data: captures costs, consumption, or output during the period directly affected by the loss.

• Post-loss data: confirms the return to typical operations and helps isolate what was truly caused by the incident.

Pitfall to Avoid:
Relying on estimates or incomplete records can undermine the entire claim. Inaccurate data doesn’t just weaken calculations, it can lead to inconsistencies that call the entire submission into question.  Make sure all final documents, like vendor invoices, are accurate.

Pro Tip:
Start collecting and organizing loss-related data immediately. Early documentation reduces gaps and ensures the final analysis reflects the full impact.

2. Valiont’s Proven Approach

At Valiont, we apply data-driven precision to every loss calculation. Our team reviews each data source, financial, operational, and time element, to ensure it’s complete, accurate, and relevant to the claim.

We begin by validating pre-loss data to establish a reliable baseline, then examine loss-period data to identify measurable deviations caused by the event.

Through detailed comparison and quantitative analysis, Valiont transforms complex datasets into clear, defensible loss calculations that insurers and adjusters can trust.

Accounting Insight:
Loss calculations depend on isolating the difference between normal operations and disrupted operations. The goal is to measure the true financial impact of the loss, not assumptions or estimates, but provable figures supported by verifiable data.

Pro Tip:
Keep operational and financial data organized year-round. When a loss occurs, you’ll already have the historical records needed to establish credible comparisons and accelerate the claims process.

3. The Outcome

With Valiont overseeing data validation and analysis, every number is supported, every assumption is tested, and every loss figure is backed by documentation. The result is a claim package that stands up to scrutiny.  Our claims are transparent, consistent, and ready for insurer review.

By prioritizing accuracy and completeness, Valiont ensures loss calculations not only withstand questioning but also maximize rightful recovery within policy terms.

4. Final Word

Accurate data is the cornerstone of any credible loss calculation. Missing or inconsistent records can derail even the strongest claim. By collecting complete pre-loss, loss-period, and post-loss data, and ensuring each figure can be verified, you set the stage for a smooth, defensible recovery process.

At the end of the day, precise data isn’t just good accounting, but also good claim strategy.

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This whitepaper is for informational purposes only and does not constitute legal, financial, or insurance advice. Cara Solutions DBA VALIONT makes no representations or warranties as to the completeness or accuracy of the information provided. Always consult your legal, insurance, or financial experts before making decisions.