From DYI online surveys to on-site inspections and evaluations by a specialist: The Fachstellen für Gebäudeschätzungen FGS (surveyors’ centres of competence) determine the actuarial value of buildings.
From DYI online surveys to on-site inspections and evaluations by a specialist: The Fachstellen für Gebäudeschätzungen FGS (surveyors’ centres of competence) determine the actuarial value of buildings. They assess the actuarial value of building located in sites where the cantons do not have a monopoly in buildings insurance, the so-called GUSTAVO cantons (Geneva, Uri, Schwyz, Ticino, Appenzell Innerrhoden, Valais, Obwalden), and in the Principality of Liechtenstein.
Buildings surveyors mainly work with insurance companies, but also with customers in the above GUSTAVO cantons who want to assess the value of their buildings.
Various types of assessment
The four competence centres are staffed by construction experts. These experts assess the actuarial value of buildings and provide all necessary information to insurers and (future) policyholders to correctly insure the building in question.
Insurers and insurance customers can choose between four types of assessment: DIY online assessments, assessments on the base of plans and construction invoices, simple on-site surveys and detailed on-site surveys by an expert surveyor. The type of assessment also depends on the insured amount.
Every insurance company autonomously determines which buildings will be assessed and/or for which assessments it will pay. For the insurer to pay, a survey registration must be made via this insurer.
Owners wanting to obtain an assessment that differs from the insurance company’s guidelines or its categories may address themselves directly to one of the centres of competence. This means, however, that they will have to bear the costs themselves.