what effects do valuation clauses have on insurance claims 
valuation clauses have a big impact on insurance claims they indicate the type of valuation method that an insurance company uses to reimburse their clients when a claim is filed these methods include actual cash replacement cost stated value agreed value and market value since they are written into the contract policyholders should be well aware of how much they can expect to receive if and when they file a claim with the insurer in the event of loss the bottom lineinsurance can be a complicated and complex issue there are different nuances that consumers need to understand about their policies before they sign on the dotted line for instance you should be aware of any valuation clauses in your policy these are provisions that the insurer writes into your contract that will tell you the value of your property when and if you file a claim this is the amount you ll receive in the event of a loss 