The schedule check
Set four values · nothing is stored
Every figure above is arithmetic on the four values you set. It is not a quote, not an opinion of value, and not a statement about your policy. The coinsurance percentage is printed on your declarations page under Property. It takes ninety seconds to find.
One line decides what a loss pays.
Pull your declarations page. Find the coinsurance percentage on the building personal property line. If it says Agreed Value, this page does not apply to you.
The arithmetic, and the two other ways it costs you
The coinsurance penalty is arithmetic.
Nobody has to have done anything wrong for this to cost you. The penalty fires on an honest schedule built from honest books.
A coinsurance clause compares what was insured to what should have been insured, and multiplies a partial-loss payment by the shortfall. It applies on its own terms, to a covered loss.
A schedule can also be too high.
You cannot collect more than it costs to replace. You can absolutely pay for more.
Premium is charged on the limit; recovery is capped at the loss. Where a schedule overstates what the equipment is worth, the difference is a premium paid every year that can never be claimed back.
The appraisal district already has a number.
One blended total averages the high lines against the low ones. It looks about right, and it's wrong on every line inside it.
Texas business personal property is rendered by April 15 against a January 1 assessment date. Where a rendition rests on a depreciation register rather than market evidence, the district's number and the schedule are describing different things.
Each is argued in full, with the arithmetic and the county record, in the report.
It is two documents you already have.
Your depreciation schedule and your declarations page.
$495. Credited in full against the appraisal.
Most practices spend more than that on property premium every month.
What happens after you send them
Your equipment schedule, however rough — a spreadsheet, an export, a photograph of a page. If you do not have one, the asset list from your accountant is a starting point.
Every line we can identify is valued against recorded market evidence, and the lines furthest from it are ranked. No visit, no disruption, nothing asked of your staff.
Which lines are carrying the distance, and what the gap looks like, line by line. If it is worth a full appraisal we say so and the fee is credited. If it is not, we say that too.
You do not have to wait for renewal. A schedule can be corrected mid-term by endorsement. The full ladder and the band floors →
Where the numbers come from
Equipment Library · public_stats.json · as of 2026-08-07
The federal record holds 7,085 device classes. We publish a median for 47.
Your register carries what the machine cost. What replaces a discontinued model is its current-generation successor at today's price — a number on no document you own.
Endpoints we read
openFDA (api.fda.gov), U.S. Food and Drug Administration · device/classification · retrieved 2026-08-09
We read the federal device record and hold it beside recorded market evidence. Coverage, by endpoint:
device/classification — device classes in the federal classification database7,085device/510k — cleared devices (510(k))175,686device/pma — premarket approvals56,853device/recall — recall records58,909device/enforcement — enforcement reports39,635device/registrationlisting — registered establishments and listings330,251device/udi — unique device identifiers5,083,948These are coverage counts. We do not publish a verdict about any named manufacturer or model, and we do not assess device safety or regulatory compliance — that is a different profession. A recall in this data is scoped to a lot, a serial range or a configuration far more often than to a model, and it includes corrections such as a firmware update.
The Schedule Review
How coinsurance computes, and when it does not
A participation requirement, applied to partial losses, on the terms of the policy rather than at a carrier's discretion — and removed entirely by an Agreed Value endorsement.
Movement III — the underwriting →What makes a report court-ready
Stated scope of work, intended use and intended user on its face, an effective date, a signed certification and a retained workfile. A purchase-price spreadsheet has none of the five.
Movement II — the appraisal →How a conclusion is evidenced, rung by rung
Five rungs, from completed-sale evidence down to a disclosed extraordinary assumption. Every conclusion names the rung it stands on, including the ones where nobody has better data.
The evidence ladder →The tax case, ranked last
The defensibility ranking with property tax named as the weakest of the three uses, and what this firm cannot do on a protest.
Data room →We are paid to value equipment, never to trade it — no fee we earn moves with the number we report or with what your equipment later sells for.
Certified Machinery & Equipment Appraiser (CMEA), NEBB Institute. Houston, Texas.
Dental · optometry · specialty clinics · labs · imaging · surgery centers · hospitals
Independence and coverage
Built by a practicing commercial property underwriter, on 249,805 market price points sourced from 7 marketplaces. As of 2026-08-07.
Clinical Asset Appraisal carries $1,000,000 professional liability and $1,000,000 / $2,000,000 general liability. Certificate available on request.
Disposition Advisory — fixed fee, quoted from scope. We never take title or possession.
Clinical Asset Appraisal is a machinery and equipment appraisal firm. This page describes our services.