I have been receiving requests from lenders for insurable values in my reports. Typically, I have done them in summary reports, but wanted to find the official stance of the Appraisal Institute on how to calculate it, as I am now working on a self-contained. The 12th addition doesn't really address it. Does anyone have or know where I can find an industry standard position on insurable value, specifically, does it include profit or not, does it include site improvements, and what are the requirements to be deducted as part of the construction process that wouldn’t apply (excavation, foundation, underground piping, utilities etc.) Thank you, any help would be appreciated.