Dans un contexte assurantiel soumis à une pression constante, la question des valeurs déclarées n’a jamais été aussi centrale pour les entreprises.
Every year, risk managers and finance departments must provide their insurers with a set of figures representing the true value of their company's assets: buildings, equipment, production lines, technical installations, margins and stock. These figures guide risk assessment, influence the balance of insurance programmes and determine premium levels. In other words, they have a direct impact on the company's economic performance and resilience.
However, behind these values, one fact remains: data reliability is often insufficient. Heterogeneous methods, undocumented assumptions, different reference systems from one site to another... In most organisations, value reporting remains a complex exercise that is rarely fully justified. Insurance companies are well aware of this: faced with this uncertainty, they are tightening their requirements, demanding greater transparency and expecting complete data traceability. Structured and justified values build trust.
It is precisely this challenge that SENOEE addresses.
The company offers a unique approach that modernises prior expertise by combining three inseparable dimensions: the rigour of the expert's profession, data structuring and the power of algorithms.
A traditional model that is reaching its limits
Historical methods that lack consistency
A study conducted in the United Kingdom in 2025, covering more than 600 industrial sites, shows that 88% of buildings were undervalued and 77% of equipment was underestimated. This phenomenon illustrates a structural reality: without a common reference framework, two comparable sites can produce very different valuations simply because the assumptions, angle of analysis or local sources are not aligned. Source:Charterfields ‘Insurance Gap Report 2025’
Scattered data that is difficult to consolidate
Internationally, nearly two out of three organisations reported in 2024 that they were experiencing difficulties in consolidating information scattered across multiple systems. This often results in a large set of files with no real methodological alignment, making analysis complex or even impossible.
This is precisely where the SENOEE approach comes in: a new way of structuring data, ensuring reliable values and providing the ongoing support that companies are looking for today.
The SENOEE approach: a concrete response to market expectations.
SENOEE s’inscrit dans la continuité du métier d’expertise préalable en y ajoutant la rigueur de la donnée structurée et la puissance de ses algorithmes propriétaires. Cette combinaison permet d’obtenir des valeurs cohérentes, fiables et pleinement justifiables pour les acteurs du marché assurantiel.
- A consistent methodology for all sites
Field expertise remains the cornerstone of the SENOEE model. Our engineers do not simply collect information: they analyse, understand, compare and verify the operational reality of each site. This technical investigation approach, conducted as close as possible to the field, is the first guarantee of reliability.
This expertise is then structured using a common methodology applied to the entire fleet. Each site, regardless of its country, configuration or complexity, is assessed according to the same principles, logic and standards. This methodological framework makes it possible to transform a local analysis into data that is consistent on an international scale.
The result is a clear and consistent valuation: structured, comparable, aligned and understandable values from one site to another, reflecting both the accuracy of the fieldwork and the rigour of the SENOEE methodology.
-Algorithmic valuation that guarantees consistency, clarity and scalability.
Algorithmic valuation relies on structured, standardised data collected during preliminary appraisals. This database feeds proprietary algorithms designed to provide valuations for sites that have not been visited or to check values that have already been declared, while adhering to the format of a traditional report.
The resulting standardisation makes it possible to homogenise the valuation of assets and risk, while reducing the workload for internal finance teams, who often work with acquisition or accounting depreciation values.
In addition, SENOEE has established several valuation classes based on international standards such as the American Cost Engineering Association (ACE) in the context of ‘Property Damage Values’.
Thanks to this algorithmic approach, risk managers and finance departments now have a dynamic reference framework that can evolve with assets, be applied across multiple sites, and meet the growing expectations of insurers and brokers in terms of justification and transparency.
Support: a fundamental and distinguishing feature
SENOEE teams assist risk managers and CFOs in preparing, presenting and justifying their insurance values to their companies.
This expertise enhances their credibility and contributes to a more balanced dialogue with companies and brokers.
A new standard for risk managers, CFOs and specifiers
For risk managers and finance departments, the SENOEE approach offers new visibility across the entire asset base. Multi-site consolidation becomes a clear, understandable and reproducible exercise. Values are standardised, comparable and ready to be defended.
For insurance companies and brokers, this data quality represents an immediate benefit. Pricing models are based on consistent information; there are fewer discrepancies; and files are more structured.
‘In some multi-site parks, we see differences of 20 to 40 per cent between similar sites before harmonisation, which can represent hundreds of millions of euros or dollars in insurance value.’
Beyond its existing expertise, SENOEE responds to a deep-seated market need: reliable, traceable, well-founded and consistent risk values. This represents a paradigm shift. The declared value is no longer just a figure: it is a strategic element of risk management and a lever for insurance performance.
If you want to better control your values, achieve greater consistency across multiple sites and approach your annual renewals with greater clarity and confidence, our teams can help.
Let's discuss your challenges and how SENOEE can support your risk management.
