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Statement of Values CSV Template

A Statement of Values is a location-level schedule used to organize property, occupancy, ownership, construction, value, and income information for insurance discussions. This blank CSV template provides consistent columns without inventing property data. Confirm the carrier's requested fields, valuation method, and reporting requirements before relying on a completed schedule.

Key takeaways

  • Download a blank CSV with location-level fields and no fictional sample property.
  • Keep legal entities, buildings, values, occupancy, and income traceable to source records.
  • A schedule supports underwriting but is not a valuation, quote, or coverage determination.

What a Statement of Values contains

A schedule normally gives the reviewer a consistent view of each location and the exposures that may be insured. Useful fields can include the address, ownership entity, occupancy, construction, year built, square footage, building replacement cost, business personal property, tenant improvements, rental value, roof year, and notes.

Different carriers, programs, lenders, and policy structures request different information. The template is intentionally a starting point rather than a claim that every field is required or that any value is correct.

Keep values supportable and distinct

Building replacement cost, market value, assessed value, loan balance, and land value answer different questions. Use the value basis requested for insurance and record the source, date, assumptions, and any exclusions from the estimate in the notes or supporting file.

Rental value and business income also require assumptions. Distinguish scheduled rent, other income, continuing expenses, vacancy assumptions, and the restoration period used for planning. The completed CSV should be reconciled to leases, accounting records, and the expiring schedule.

Review the schedule before sending it

Check addresses, entity names, totals, occupancy, building identifiers, and dates against authoritative property records. Explain changes from the prior schedule rather than silently overwriting them. Keep a dated version so additions, sales, renovations, and corrections are visible.

Do not leave a carrier to infer a vacancy, commercial kitchen, renovation, unusual commodity, protective safeguard, or unresolved loss. Add a clear note and supporting document when a material fact needs context.

  • Reconcile one row to one location or the carrier's requested unit of reporting.
  • Check that numeric fields are not negative and that blank values are intentional.
  • Retain a copy of the submitted file and the version used for any proposal.

Use the template with the right reviewer

The download is a data-organizing tool, not an appraisal or engineering report. A qualified valuation professional may be appropriate for complex or changing assets, while an insurance advisor can explain the carrier's requested schedule and policy valuation conditions.

Flood maps, natural-hazard tools, and public records can inform research but do not establish whether a policy covers a loss. The issued policy, endorsements, limits, deductibles, exclusions, and facts control.

Hypothetical: Hypothetical: one parcel, several structures

An owner lists an office and detached garage as one unlabeled total. A reviewer cannot tell whether the value or deductible applies to each structure. Separating them when the policy or carrier requires it makes the schedule easier to reconcile.

Hypothetical: Hypothetical: changed occupancy

A vacant floor is being converted to restaurant space. The schedule should identify the current and planned occupancy, timing, and construction facts rather than carrying forward a stale office-only description.

Questions owners ask

Is the CSV a quote application?

No. It is a blank organizational template. A carrier or broker may request additional fields, documents, narratives, or a separate application.

Should I use market value in the building value column?

Not automatically. Ask what valuation basis the policy and reviewer require; market, assessed, loan, and reconstruction values are not interchangeable.

Can a schedule guarantee adequate limits?

No. Values, policy wording, limits, deductibles, coinsurance or margin provisions, and claim facts still determine the result.

Sources

General educational information, not legal, actuarial, or policy-specific advice. Actual coverage depends on the policy form, endorsements, limits, deductibles, exclusions, jurisdiction, and facts. Submitting information does not bind coverage or guarantee carrier approval.