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Appraisal Readiness Scorecard

Appraisal rewards preparation. Answer twelve quick questions and get a weighted score plus a to-do list of what to fix before anyone signs a demand.

Appraisal readiness scorecard12 questions · two minutes
  1. Has the insurer accepted coverage for at least part of the loss?
  2. Do you have the insurer’s full line-item estimate (not just a summary letter)?
  3. Do you have your own itemized estimate?
  4. Are there dated photos from the first days after the loss?
  5. Have you read the Appraisal paragraph in your policy conditions?
  6. Have you put the suit-limitation date on a calendar?
  7. Were temporary repairs made, with receipts saved?
  8. Has hidden damage been opened and documented?
  9. Do you have the current declarations page?
  10. Is your correspondence with the insurer saved in date order?
  11. Is the gap more than roughly 10% or several thousand dollars?
  12. Is it clear which items are disputed on price versus scope?
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Answered 0 / 12

Your to-do list

    For planning only. Results depend on what you enter and on your policy, and are not a quote, an appraisal or legal advice.

    How the score is weighted

    Questions about coverage and itemized estimates carry the most weight because a panel cannot work without them. Photos, policy reading and hidden-damage checks come next. Organizational items count, but less.

    What a low score means

    A low score does not mean your claim is weak. It means the file is not ready yet. Appraisal awards are binding on the amount of loss, so demanding appraisal before the scope is complete can lock in a number that leaves damage out.

    After you score well

    A strong score is the right moment for an estimate review: a line-by-line look at where the two estimates differ and what the difference is likely worth.

    Questions about this tool

    Is my score saved anywhere?

    No. It exists only on this page and disappears when you leave or reset.

    Can I demand appraisal with a low score?

    You can, but you risk a binding award built on an incomplete scope. Close the gaps first where you can.

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