How to use it
- Enter the carrier’s RCV total — the replacement cost figure before depreciation and the deductible.
- Enter your estimate, also at replacement cost.
- Test several outcomes with the slider: try 30%, 55% and 80%.
- Add fees using the arrangement your appraiser quotes and a realistic umpire fee.
Read the result as a range
Awards rarely match either side’s opening figure. Documented line items tend to hold and unsupported ones tend to fall. If appraisal only pays off at 90% or more, your position is fragile. If it still pays at 40%, it’s more likely worth pursuing. All figures here are illustrative.
What it leaves out
Deductibles, policy limits, sublimits and depreciation timing change what you’re paid, not the size of the dispute. For the payment split, use the recoverable depreciation planner.
Questions about this tool
Is the projected award a prediction?
No. It’s a scenario you control with the slider. Real awards depend on documentation, the panel and your policy.
What does an umpire usually charge?
It varies with the claim’s size and complexity. Ask for a written quote once an umpire is proposed; most policies split the fee evenly.