An apartment sale price is not a reconstruction estimate

What is the building reference?

Allianz explains reconstruction cost as distinct from purchase or sale price. Its reviewed wording excludes land and considers the proportional share of common parts for an apartment.

This documentary example helps frame questions. The specific proposal needs to identify the building, relevant elements and applicable basis. An area copied from a sales advertisement is not a completed technical valuation.

Sources: Allianz — Infraseguro no seguro casa, junho de 2026 ↗ · Allianz Casa — Condições Gerais e Especiais, 2042 01/2025_11, cláusulas 20 e 22 ↗

A large figure can answer the wrong question

Fictional example: an advertisement lists €320,000 while a technical estimate gives €180,000 for the reconstruction scope assessed. The first may reflect location and demand. Copying it into a policy does not explain the calculation behind the second.

The administrator asks for the estimate date and scope: what was measured, which elements were included and how common parts were addressed. The document is then compared with the sums in each proposal.

Understand the mechanism before the total

The Allianz guide explains that insufficient cover can proportionally reduce an indemnity; excessive cover does not create payment above the loss. Contractual qualifications and exceptions may apply.

For a simplified arithmetic exercise, €120,000 divided by €180,000 is two thirds. This illustrates a proportion, not a claim decision: excesses, tolerances, scope and other terms remain to be considered.

Sources: Allianz — Infraseguro no seguro casa, junho de 2026 ↗

Make the meeting decision traceable

Rather than approving only “increase the insurance”, record the document needed, responsible person and proposal to review. Raise the Condominium question through rmachado.group, identifying what needs clarification.

Keep the answer with the contract version it concerns. The meeting record should distinguish an estimate received, an amendment requested and an amendment actually confirmed. That distinction makes later follow-up much easier.