Appraisal File Scorecard: Is Your Claim Ready?

An appraisal panel can only work with what is in the file. Answer twelve questions to see how ready yours is, and get a to-do list ranked by what matters most.

Appraisal file scorecard12 questions · about two minutes

Has the insurer accepted coverage for at least part of the loss?
Do you have the insurer’s full line-item estimate, not just a summary?
Do you have your own itemized estimate?
Do you have dated photos taken soon after the loss?
Have you found and read the ‘Appraisal’ paragraph in your policy?
Do you know the date by which a lawsuit must be filed under your policy?
Was the damage mitigated (tarp, drying, board-up) with receipts saved?
For tile roofs, smoke or water: has hidden damage been opened up and checked?
Do you have your current declarations page?
Is your correspondence with the insurer saved in date order?
Is the gap between estimates more than roughly 10% or $5,000?
If the insurer requested a sworn proof of loss, was it submitted on time?

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What to fix first

For planning only. Results depend on what you enter and your policy’s terms. They are not a quote, an appraisal or legal advice. Nothing you type is stored or sent.

How the score works

Each question carries a weight. Coverage acceptance and itemized estimates count most because appraisal can’t work without them. Photos, deadlines and hidden-damage checks come next. A score above about 75 suggests a strong file; below 45 suggests work to do first.

What to do with your to-do list

Work from the top. Most items take a phone call or an email. When the list is short, use the claim gap & fee estimator to decide whether appraisal makes financial sense.

Questions about this tool

Does a high score mean I’ll win?

No. It means your file is organized. The outcome depends on the evidence and the panel.

Is anything saved?

No. Answers stay in your browser and disappear when you leave the page.

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