Appraisal File Strength Score

Strong appraisals are built before anyone signs a demand. Answer twelve questions to see where your file stands and what to fix first.

Appraisal file strength score12 questions · about two minutes

Has the carrier accepted coverage for at least part of the loss?
Do you have the carrier’s full line-item estimate, not just a summary?
Do you have your own itemized estimate from a contractor or estimator?
Do you have dated photos taken soon after the loss?
Have you read the appraisal paragraph in your policy?
Have you calendared your policy’s suit-limitation date?
Are temporary repairs done and receipts saved?
Do you have your current declarations page?
Has hidden damage been opened up and documented?
Is your correspondence with the carrier saved in date order?
Is the gap between estimates more than about 10% or $5,000?
If the carrier asked for a sworn proof of loss, has it been sent?

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Answered 0 / 12

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 it’s 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 items still matter but are easier to fix.

Reading your score

75 and up: a solid file. A professional review of the gap is the next step.
45 to 74: finish the open items first; each one strengthens your position.
Under 45: invoking appraisal now could lock in a low number. Build the file first.

Questions about this tool

Is anything I enter saved?

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

Can I share my result?

Yes — take a screenshot of your score and to-do list and bring it to your consultation.

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