How to use it
- Enter the insurer’s RCV total, the replacement cost figure before depreciation and deductible.
- Enter your estimate at replacement cost too, so you compare like with like.
- Pick a fee arrangement. Flat, percentage and hourly fees are all common. Use the terms you’ve actually been quoted.
- Read the three outcomes. If appraisal only pays off at the strong outcome, the case is fragile.
Example figures
The starting numbers are illustrative only. They don’t come from any real claim or client.
What the estimator leaves out
Deductibles, depreciation timing and policy limits affect what you’re paid, not the size of the dispute. For holdback math, use the ACV & holdback calculator.
Questions about this tool
Is the projected award a prediction?
No. It’s a planning scenario. Real awards depend on documentation, the panel and the policy.
Why show three outcomes?
Awards rarely match either side’s opening number. Looking at a range shows whether appraisal still makes sense if the panel accepts only part of your estimate.