Free checklist

Appraisal Readiness Check for Your Claim File

Strong appraisals are built before the demand letter goes out. Ten quick questions grade your file and turn the gaps into a short to-do list.

Appraisal readiness check10 questions · about two minutes
  1. Has the carrier accepted coverage for at least part of the loss in writing?
  2. Do you have the carrier’s full line-item estimate, not just a payment summary?
  3. Do you have an independent line-item estimate (not a one-line bid)?
  4. Do you have dated photos from the days right after the storm or event?
  5. Do you know the date of loss and can you support it (storm report, hail map, NWS warning)?
  6. Have you read the appraisal paragraph and the deductible section of your policy?
  7. Do you know your policy’s suit-limitation date?
  8. Has hidden damage been opened up and documented (attic, decking, wall cavities)?
  9. Are temporary repairs done and receipts saved?
  10. Is the gap between estimates more than roughly 10% or several thousand dollars?
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Answered 0 / 10

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 grade is weighted

    Coverage, estimates and evidence carry the most weight because they decide whether appraisal is the right tool and how well your figure will hold up. Paperwork items matter too, but they’re quicker to fix.

    What your grade means

    • A or B: the file is in good shape. A professional look at the dollar gap is the logical next step.
    • C: close the open items first; each one strengthens your position.
    • D or F: demanding appraisal now could lock in a low number. Build the file, then decide.

    Pair the result with the claim gap & fee estimator to see whether the money justifies the process.

    Questions about this tool

    Is anything I answer stored?

    No. The check runs entirely in your browser.

    Can I share my result?

    Yes — screenshot the grade and to-do list and bring it to your first call.

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