Appraisal Readiness Checkup for Your Claim File

Strong appraisals are mostly won before they start. Answer twelve quick questions, including one about wind-and-flood splits, to see where your file stands and what to fix first.

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 full, itemized estimate?
Do you have your own itemized estimate?
Do you have dated photos taken soon after the loss?
Have you read the appraisal paragraph in your policy?
Do you know your suit-limitation date?
If wind and flood both hit the property, are the two claims separated?
Have temporary repairs been made and receipts saved?
Has hidden damage been opened up and documented?
Do you have your current declarations page?
Is the gap more than about 10% or $5,000?
Has a sworn proof of loss been sent if the carrier asked for one?

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Your to-do list

For planning only. Results depend on the figures you enter and your policy’s terms. They aren’t a quote, an appraisal or legal advice, and nothing you type is stored.

How the score is weighted

Coverage, estimates and evidence carry the most weight, because they decide whether appraisal is the right tool and how well your number will hold up. Paperwork such as the declarations page matters but is easy to fix.

Reading your result

75 and up: your file is in good shape. A professional review of the gap is the next step.
45 to 74: close the open items first. Each one strengthens your position.
Below 45: demanding appraisal now could lock in a low number. Build the file first.

Questions about this tool

Is anything I answer saved?

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

Can I share the result?

Yes. Take a screenshot or copy your to-do list and bring it to a consultation.

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