A little preparation before an appraisal inspection can help the visit go smoothly and give your appraiser clear access to everything they need to see.
Make sure all areas affected by the damage are accessible, including attics, crawl spaces, or any areas that may require a ladder or special access, so the appraiser can inspect thoroughly without unnecessary delays.
Gather existing documentation ahead of time, including prior estimates, photographs taken at the time of the loss, and any reports already prepared by adjusters or contractors, so it is ready to share during or after the visit.
If repairs are already underway or completed, try to preserve photographic evidence of the original damage, since this documentation becomes especially important once physical repairs have changed the condition of the property.
Note any temporary repairs or mitigation work that has already been done, such as tarping a roof or extracting water, since this context helps the appraiser understand the full scope of the original loss.
Being available to answer questions during the inspection, or having someone familiar with the property and the claim history present, can also help the appraiser gather complete and accurate information.
This article is general education about how the appraisal process commonly works. It is not legal advice, and specific procedures can vary by state and policy. If you have questions about your own claim, review your policy language and talk with your insurance company, agent, or an attorney familiar with your state’s laws.
Russ Lis is a working property insurance appraiser and umpire based in Minnesota, serving clients nationwide. Have a question about your own claim? Contact Appraisal Resolution.