provides for payment of insurance indemnity in the amount of such part of damage, that is equal to an insurance amount in relation to assessment of insurance facility. For example, if an insurance amount is 80% of estimated value of an insurance facility, then the insurance indemnity will be equal to 80% of damage. In this case, part of damage remains at risk of an insured: completeness degree of indemnity is higher, the smaller is difference between insurance amount and assessment of insurance facility.