Appraisal Readiness Checkup: Is Your Claim File Ready?

Strong appraisals are built before the demand letter goes out. Answer twelve quick questions 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, line-item estimate?
Do you have your own itemized estimate?
Do you know your policy’s suit-limitation date?
Do you have dated photos taken soon after the loss?
Have you read the appraisal clause in your policy?
Have temporary repairs been made, with receipts saved?
Has hidden damage been opened up and documented?
Is the gap more than roughly 10% or $5,000?
Do you have your current declarations page?
Is your correspondence with the carrier organized by date?
If the carrier asked for a sworn proof of loss, was it returned on time?

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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. Nothing you type is stored or sent.

How the checkup is weighted

Coverage, estimates and the suit-limitation date carry the most weight because they decide whether appraisal is the right tool at all and whether you have time to use it. Paperwork items still matter, but they are easier to fix.

What to do with your score

75 or higher: your file is in good shape. A professional review of the gap is the logical next step.
45 to 74: close the open items first; each one strengthens your number.
Below 45: demanding appraisal now could lock in a low award. Build the file first.

Questions about this calculator

Is anything I enter saved or sent?

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

Can I share my results with an appraiser?

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

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