San José concentrates most residential and commercial claims in the country (theft, fire, water damage). INS, ASSA, and MAPFRE have high activity here. Our post-loss appraisal considers canton specifics: in Escazú-Santa Ana high USD values; in popular areas CRC values with mixed contents. Urgent response 48-72 h from our Curridabat base.

When do you need an insurance appraisal?

An insurance appraisal is needed at four key moments in a policy's life cycle. When taking out a new policy: insurers require a professional appraisal to determine the real insurable value and avoid underinsurance. At annual renewal: values change with market conditions, improvements, and depreciation, so refreshing the appraisal every 2-3 years prevents paying premiums on outdated figures. After a loss event: when a fire, earthquake, flood, or other event occurs, you need a post-loss appraisal that quantifies damages objectively to negotiate with your insurer. For coverage adjustments: if you made remodels, additions, or acquired new assets, the appraisal adjusts coverage accordingly. The report complies with Costa Rica's Insurance Market Regulation Law 8653 and the standards of the Federated Association of Engineers and Architects (CFIA).

Policy types and loss events we cover

We provide appraisals for every insurance modality that requires technical backing of the insured amount. Residential policies: INS Hogar Seguro, private multi-risk residential coverage, fire, earthquake, flood, landslide, theft, and civil liability. Commercial and industrial policies: all-risk coverage for stores, offices, warehouses, and industrial facilities, including contents and business interruption. Agricultural policies: crops, farm infrastructure, and agricultural equipment. For loss events, we document damages from fire, earthquake, flood and hurricanes, landslides, theft and vandalism, and vehicle impacts on structures. Each post-loss appraisal includes immediate on-site inspection, geo-referenced photographic record, and calculation memorandum quantifying damages.

What the report includes

Each insurance appraisal contains the technical elements insurers require to process policies or claims. Replacement cost: what it would cost to rebuild the property new today, the basis for total fire coverage. Actual cash value: replacement cost minus depreciation for age and condition. Contents value: furniture, office equipment, machinery, inventory, and any asset subject to coverage. Detailed photographs: record of current state (pre-policy) or damages (post-loss). Calculation memorandum: breakdown of the method applied with local comparables when applicable. Attached registry documentation: cadastral plan, registry study, ownership certification. The report is signed by an appraiser licensed by CFIA and meets the requirements of Costa Rican insurers.

Our post-loss methodology

When a loss event occurs, speed makes the difference between a fair settlement and a poorly negotiated claim. Our methodology begins with immediate inspection (within 48-72 hours when urgency requires) to document damages before they are altered. We apply the cost method (replacement minus depreciation plus land) combined with the market comparison method to validate pre-loss value. We include cause-and-effect analysis when the insurer requests it (determining whether the damage falls within policy coverage). We document repair costs with real quotes from local contractors and suppliers. As independent appraisers, we provide a second opinion you can use to negotiate if the insurer's valuation seems insufficient — a legitimate and recommended practice under Law 8653.

Accepted insurers and nationwide coverage

Our reports are accepted by every insurer operating in Costa Rica. Instituto Nacional de Seguros (INS): Hogar Seguro, All-Risk Commercial, Fire, Earthquake. ASSA Compañía de Seguros: residential and commercial multi-risk. MAPFRE Seguros Costa Rica: all property products. Oceánica de Seguros, Pan American Life, Qualitas Compañía de Seguros, Adisa Seguros, and other market insurers. We operate nationwide from our base in Pérez Zeledón: Greater Metropolitan Area (San José, Heredia, Alajuela, Cartago), Guanacaste (Liberia, Tamarindo, Nicoya), Puntarenas (Jacó, Quepos, Dominical, Uvita), and Limón. For urgent losses with insurer deadlines, we prioritize delivery so you don't lose coverage due to administrative delay.

San José specifics for insurance appraisals

Economic and territorial context

San José concentrates 30-35% of Costa Rican GDP and is the country's economic heart. The province spans from premium western cantons (Escazú, Santa Ana) to the rural southern zone (Pérez Zeledón, Acosta). This heterogeneity means each area has radically different value dynamics.

Price ranges per m² in San José

$200-$2,000/m² per zone: Escazú and Santa Ana $800-$2,000, Curridabat and Tres Ríos $500-$900, Desamparados and Hatillo $200-$400, Pérez Zeledón (southern zone) $80-$300.

Market dynamics

Most liquid market in the country with high turnover in GAM zones. Premium areas like Escazú maintain stable USD values, while popular areas fluctuate in CRC. Pérez Zeledón has active market in Daniel Flores downtown but low in rural areas.

Specific risks to consider

Medium seismic zone with active Agua Caliente fault. High-risk areas: parts of Desamparados and Aserrí (landslides). Pérez Zeledón has General River overflow risk.

Economic profile

Headquarters of main banks, insurers, call centers, and technology. Pérez Zeledón has agricultural economy (coffee, cattle, pineapple) and regional commerce.

What's included?

Report accepted by INS, ASSA, MAPFRE, Oceánica, and all Costa Rica insurers
Accurate insurable value determination (prevents underinsurance and overinsurance)
Post-loss appraisals with geo-referenced photographic documentation
Comprehensive valuation: structure, contents, improvements, and assets
Independence and impartiality of CFIA appraiser vs. the insurer
Nationwide coverage with specialization in southern zone and GAM
Delivery in 5-10 business days (48-72 h for urgent losses)
Professional backing with over 20 years of CFIA-licensed experience