{"id":16867,"date":"2026-01-12T09:45:57","date_gmt":"2026-01-12T12:45:57","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=16867"},"modified":"2026-01-15T16:19:21","modified_gmt":"2026-01-15T19:19:21","slug":"pre-existencia-e-depreciacao","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/pre-existencia-e-depreciacao\/","title":{"rendered":"Vil\u00f5es dos sinistros: Como evitar gargalos em pr\u00e9-exist\u00eancia e deprecia\u00e7\u00e3o"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.19.4&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.27.3&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Conte\u00fado&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span data-contrast=\"auto\">No momento de um <\/span><span class='tooltipsall tooltip_post_id_custom_4dfa3c9b36be2d629893acb2eda47757 classtoolTipsCustomShortCode' style='border-bottom:2px dotted #888;'>sinistro<\/span><script type=\"text\/javascript\">jQuery(\"document\").ready(function(){ toolTips('.tooltip_post_id_custom_4dfa3c9b36be2d629893acb2eda47757','Ocorr\u00eancia de um evento previsto na ap\u00f3lice que gera o direito de o segurado acionar o seguro, como um acidente, dano, roubo, inc\u00eandio ou perda, conforme as coberturas contratadas\\.'); });<\/script><span data-contrast=\"auto\">, o foco do segurado \u00e9 claro: <\/span><b><span data-contrast=\"auto\">agilidade, previsibilidade e uma indeniza\u00e7\u00e3o justa<\/span><\/b><span data-contrast=\"auto\">. Ainda assim, dois fatores seguem entre as principais causas de atrasos e diverg\u00eancias no processo de regula\u00e7\u00e3o:\u00a0<\/span><b><span data-contrast=\"auto\">comprova\u00e7\u00e3o de pr\u00e9-exist\u00eancia<\/span><\/b><span data-contrast=\"auto\">\u00a0e\u00a0<\/span><b><span data-contrast=\"auto\">aplica\u00e7\u00e3o de deprecia\u00e7\u00e3o<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Na\u00a0<a href=\"https:\/\/acrisure.com.br\/\" target=\"_blank\" rel=\"noopener\">Acrisure<\/a>, atuamos para que esses pontos sejam tratados\u00a0<\/span><span data-contrast=\"auto\">antes do problema acontecer<\/span><span data-contrast=\"auto\">, reduzindo fric\u00e7\u00f5es e acelerando decis\u00f5es no momento mais cr\u00edtico. A seguir, explicamos\u00a0<\/span><b><span data-contrast=\"auto\">como esses temas impactam o sinistro<\/span><\/b><span data-contrast=\"auto\">\u00a0e quais pr\u00e1ticas ajudam a evit\u00e1-los.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Pr\u00e9-exist\u00eancia:\u00a0a base para uma regula\u00e7\u00e3o eficiente<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">A comprova\u00e7\u00e3o de pr\u00e9-exist\u00eancia \u00e9 essencial para validar que o bem segurado\u00a0<\/span><b><span data-contrast=\"auto\">existia, pertencia ao segurado e estava no local coberto antes do evento<\/span><\/b><span data-contrast=\"auto\">. Al\u00e9m disso, \u00e9 a partir dessas informa\u00e7\u00f5es que se estabelece, quando aplic\u00e1vel, o c\u00e1lculo correto da deprecia\u00e7\u00e3o.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Documentos que comprovam pr\u00e9-exist\u00eancia:\u00a0<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Notas fiscais de compra;<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Registros de entrada do ativo na empresa (quando n\u00e3o houver NF);<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Invent\u00e1rios patrimoniais ou controles internos de bens.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><strong>Esses documentos permitem que a seguradora:\u00a0<\/strong><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">confirme a exist\u00eancia do bem antes do sinistro;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">aplique corretamente crit\u00e9rios de deprecia\u00e7\u00e3o;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-contrast=\"auto\">valide sinistros de roubo, furto ou danos materiais com maior agilidade.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><em>Leia tamb\u00e9m\u00a0<\/em><\/h3>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"https:\/\/acrisure.com.br\/insights\/lei-do-contrato-de-seguro-empresas\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Lei do Contrato de Seguro entra em vigor em dezembro de 2025<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><a href=\"https:\/\/acrisure.com.br\/insights\/gestao-de-sinistro-protecao\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Gest\u00e3o de Sinistro: o processo que protege o segurado<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><span data-contrast=\"none\">Deprecia\u00e7\u00e3o:\u00a0impacto direto no valor da indeniza\u00e7\u00e3o<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">A deprecia\u00e7\u00e3o reflete o desgaste natural dos bens ao longo do tempo e influencia diretamente o valor indeniz\u00e1vel em determinadas coberturas. Seu c\u00e1lculo considera fatores como:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">idade do bem;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">intensidade de uso;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">hist\u00f3rico de manuten\u00e7\u00e3o;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">valor de mercado no momento do sinistro.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Quanto mais estruturada e completa for a documenta\u00e7\u00e3o apresentada,\u00a0<\/span><b><span data-contrast=\"auto\">mais preciso e transparente ser\u00e1 o c\u00e1lculo<\/span><\/b><span data-contrast=\"auto\">, reduzindo questionamentos e retrabalhos.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Boas pr\u00e1ticas para evitar diverg\u00eancias no sinistro<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Uma gest\u00e3o preventiva faz diferen\u00e7a. Recomendamos:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">manter notas fiscais e comprovantes organizados;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">registrar manuten\u00e7\u00f5es, inspe\u00e7\u00f5es e revis\u00f5es peri\u00f3dicas;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">comunicar altera\u00e7\u00f5es, reparos ou substitui\u00e7\u00f5es nos bens segurados;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"12\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">revisar periodicamente as informa\u00e7\u00f5es da <span class='tooltipsall tooltip_post_id_custom_21df6f47d066495c19b6222cd2872e7e classtoolTipsCustomShortCode' style='border-bottom:2px dotted #888;'>ap\u00f3lice<\/span><script type=\"text\/javascript\">jQuery(\"document\").ready(function(){ toolTips('.tooltip_post_id_custom_21df6f47d066495c19b6222cd2872e7e','Documento que formaliza o contrato de seguro, no qual est\u00e3o descritos os direitos e deveres do segurado e da seguradora, incluindo coberturas, limites, vig\u00eancia, riscos cobertos, exclus\u00f5es e condi\u00e7\u00f5es gerais\\.'); });<\/script>.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Essas a\u00e7\u00f5es fortalecem a governan\u00e7a do seguro e reduzem riscos operacionais no momento do sinistro.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Como agilizar o processo e evitar atrasos\u00a0na indeniza\u00e7\u00e3o<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">A <a href=\"https:\/\/acrisure.com.br\/insights\/gestao-de-sinistro-protecao\/\" target=\"_blank\" rel=\"noopener\">efici\u00eancia na condu\u00e7\u00e3o de um sinistro<\/a> est\u00e1 diretamente relacionada \u00e0\u00a0<\/span><b><span data-contrast=\"auto\">organiza\u00e7\u00e3o das informa\u00e7\u00f5es<\/span><\/b><span data-contrast=\"auto\">\u00a0e \u00e0\u00a0<\/span><b><span data-contrast=\"auto\">clareza do fluxo<\/span><\/b><span data-contrast=\"auto\">\u00a0desde o primeiro contato. O envio completo da documenta\u00e7\u00e3o logo no in\u00edcio evita interrup\u00e7\u00f5es na an\u00e1lise e reduz a necessidade de solicita\u00e7\u00f5es adicionais.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Da mesma forma, a\u00a0<\/span><b><span data-contrast=\"auto\">comunica\u00e7\u00e3o cont\u00ednua ao longo da regula\u00e7\u00e3o<\/span><\/b><span data-contrast=\"auto\">\u00a0e o cumprimento da\u00a0<\/span><b><span data-contrast=\"auto\">sequ\u00eancia t\u00e9cnica de orienta\u00e7\u00f5es<\/span><\/b><span data-contrast=\"auto\">\u00a0contribuem para decis\u00f5es mais r\u00e1pidas e consistentes. A\u00a0<\/span><b><span data-contrast=\"auto\">atualiza\u00e7\u00e3o imediata<\/span><\/b><span data-contrast=\"auto\">\u00a0de qualquer nova informa\u00e7\u00e3o ou documento \u00e9 essencial para manter o processo ativo e alinhado aos crit\u00e9rios de avalia\u00e7\u00e3o.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Uma atua\u00e7\u00e3o estruturada, com acompanhamento de ponta a ponta \u2014 do aviso \u00e0 liquida\u00e7\u00e3o \u2014 favorece previsibilidade, reduz retrabalho e minimiza impactos operacionais e financeiros.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<blockquote>\n<p><i><span data-contrast=\"auto\">\u201cQuando a documenta\u00e7\u00e3o est\u00e1 em ordem e as condi\u00e7\u00f5es do seguro s\u00e3o apresentadas de forma clara e de f\u00e1cil entendimento, a regula\u00e7\u00e3o do sinistro se torna muito mais din\u00e2mica. Dessa forma, quest\u00f5es como pr\u00e9-exist\u00eancia e deprecia\u00e7\u00e3o deixam de ser barreiras e passam a ser tratadas com objetividade e rapidez.\u201d<\/span><\/i><span data-contrast=\"auto\">, afirma Katia Evangelista, gerente de sinistros\u00a0na\u00a0Acrisure.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:708,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:278}\">\u00a0<\/span><\/p>\n<\/blockquote>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>No momento de um o foco do segurado \u00e9 claro: agilidade, previsibilidade e uma indeniza\u00e7\u00e3o justa. Ainda assim, dois fatores seguem entre as principais causas de atrasos e diverg\u00eancias no processo de regula\u00e7\u00e3o:\u00a0comprova\u00e7\u00e3o de pr\u00e9-exist\u00eancia\u00a0e\u00a0aplica\u00e7\u00e3o de deprecia\u00e7\u00e3o.\u00a0<\/p>\n","protected":false},"author":1,"featured_media":19109,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[39],"tags":[19],"class_list":["post-16867","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguros","tag-gestao-de-riscos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Como evitar gargalos em pr\u00e9-exist\u00eancia e deprecia\u00e7\u00e3o em sinistros<\/title>\n<meta name=\"description\" content=\"No 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