Progressively, we found the value at risk on the date of loss has maturity value at about Bht 16,442,881.73 when compare with the sum insured in this incident at amount Bht 14,281,000.00 or 86.85 % of value at risk. Then there is under sum insured. Progressively, a condition of 70 % average was within this policy clearly; whilst our inspection, we found the sum insured on this incident is adequate and appropriate accordingly.