Оценщик проверил страховой полис и застрахованное имущество.

Проверил is the past tense, masculine singular form of the verb проверить.

• проверить = to check, to inspect (perfective)
• проверил = checked / has checked

The ending -л is the basic past marker, and because the subject оценщик is a masculine singular noun, the verb appears as проверил.

Compare:

• оценщик проверил = the assessor checked
• оценщица проверила = the female assessor checked
• оценщики проверили = the assessors checked

So the form of the past tense verb agrees with the subject in gender and number.

Russian often uses the perfective verb when the action is viewed as completed.

• проверить = to check and finish checking
• проверять = to be checking / to check repeatedly / to check as a process

So:

• Оценщик проверил... means the checking was completed.
• Оценщик проверял... would focus more on the process: was checking, used to check, or checked for some time.

In this sentence, the speaker is presenting the checking as a finished event, so проверил is the natural choice.

They are actually in the accusative case, because they are direct objects of проверил. But for inanimate nouns in Russian, the accusative often looks exactly like the nominative.

Here is what is happening:

• страховой полис

  • полис is masculine, inanimate
  • accusative singular = nominative singular
  • so it stays полис

• застрахованное имущество

  • имущество is neuter, inanimate
  • accusative singular = nominative singular
  • so it stays имущество

The adjectives also match:

• страховой agrees with masculine полис
• застрахованное agrees with neuter имущество

So these are objects, but their forms do not visibly change because they are inanimate.

They are related to the same general topic, but they mean different things and are formed differently.

• страховой = insurance, related to insurance

  • from страхование = insurance
  • страховой полис = insurance policy

• застрахованное = insured

  • from the verb застраховать = to insure
  • it is basically a participle meaning something that has been insured
  • застрахованное имущество = insured property

So:

• страховой полис = a policy connected with insurance
• застрахованное имущество = property that has been insured

In Russian, имущество is a singular neuter noun that often refers to property or possessions collectively.

So even if it refers to multiple belongings or assets, Russian still commonly uses the singular noun:

• имущество = property / belongings / assets

This is similar to how English can say property as a mass or collective noun.

Because it is singular neuter, the adjective must also be singular neuter:

• застрахованное имущество

not:

• застрахованные имущество ❌

Russian adjectives must agree with the nouns they describe in gender, number, and case.

Here:

1. страховой полис

   • полис = masculine singular, accusative (same form as nominative because inanimate)
   • adjective must also be masculine singular accusative
   • so: страховой

2. застрахованное имущество

   • имущество = neuter singular, accusative (same form as nominative because inanimate)
   • adjective must also be neuter singular accusative
   • so: застрахованное

This is a very important pattern in Russian: the adjective changes to match the noun.

Yes. The conjunction и means and, and here it joins two direct objects of the same verb:

• страховой полис
• застрахованное имущество

Both are things that the assessor checked.

So structurally, the sentence is:

• Оценщик = subject
• проверил = verb
• страховой полис и застрахованное имущество = two coordinated direct objects

In English, this works the same way:

• The assessor checked the insurance policy and the insured property.

Yes. Russian word order is more flexible than English word order, because case endings help show grammatical roles.

The neutral order here is:

• Оценщик проверил страховой полис и застрахованное имущество.

But other orders are possible, for example:

• Страховой полис и застрахованное имущество проверил оценщик.

  • This puts more focus on what was checked.

• Страховой полис оценщик проверил и застрахованное имущество.

  • This can sound more contrastive or stylistically marked.

Even though other orders are possible, the original version is the most straightforward and natural in many contexts.

Russian does not have articles like English a, an, and the.

So:

• страховой полис can mean an insurance policy or the insurance policy
• оценщик can mean an assessor or the assessor

The exact interpretation depends on context.

In this sentence, English probably uses the assessor, the insurance policy, and the insured property because the context likely makes them specific. But Russian does not need separate article words to express that.

The stress is:

• оце́нщик
• провери́л
• страхово́й
• по́лис
• застрахо́ванное
• иму́щество

A rough pronunciation guide:

• оце́нщик ≈ a-TSEN-shchik
• провери́л ≈ pra-vye-REEL
• страхово́й ≈ stra-ha-VOY
• по́лис ≈ PO-lis
• застрахо́ванное ≈ za-stra-HO-va-nna-ye
• иму́щество ≈ i-MOO-shchest-va

One especially useful thing to notice is that Russian stress is mobile and unpredictable, so it is best to learn stress together with each new word.

Оценщик is a masculine noun meaning something like assessor, appraiser, or valuator, depending on context.

It comes from the verb оценить / оценивать = to assess, to evaluate.

The ending -щик is a common Russian suffix used for a person associated with an activity or job.

Examples of similar noun formation:

• переводить → переводчик = translator
• заказывать → заказчик = customer/client who places an order
• оценивать → оценщик = assessor/appraiser

In this sentence, оценщик is the subject, so it is in the nominative case.