Appraisal Readiness Checkup

Appraisals are often won or lost on the file you bring. Answer twelve quick questions to see where yours stands and what to finish before demanding appraisal.

Appraisal readiness checkup12 questions · about two minutes

Has the insurer accepted coverage for at least part of the loss?
Do you have the carrier’s complete, itemized estimate?
Do you have your own itemized estimate from a contractor or estimator?
Do you have dated photos of the damage taken soon after the loss?
Have you read your policy’s appraisal clause?
Do you know your policy’s suit-limitation date?
Have temporary repairs been made and receipts saved?
Do you have your declarations page?
Is all hidden damage opened up and documented?
Is your correspondence with the carrier organized by date?
Is the gap between estimates more than about 10% or $5,000?
Has a sworn proof of loss been submitted if the carrier asked for one?

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Your to-do list

For planning only. Results depend on what you enter and on your policy, and aren’t a quote, an appraisal or legal advice. Nothing you enter is stored.

How the checkup is weighted

Coverage, itemized estimates and evidence carry the most weight. They decide whether appraisal is the right tool and how well your number will hold up. Organizational items matter but are easier to fix.

Using your score

75 or higher: a well-built file. A professional review of the gap is a logical next step.
45 to 74: close the open items before you demand appraisal.
Under 45: demanding appraisal now could lock in a low number. Build the file first.

Questions about this calculator

Is anything I enter saved?

No. The checkup runs entirely in your browser and nothing is stored or sent.

Can I share the result?

Yes. Take a screenshot of your score and to-do list and bring it to your consultation.

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