AlaskaInsurance Appraiser (844) 537-1427

Free checklist

Appraisal Readiness Checklist: Score Your Claim File

A strong file makes a stronger appraisal. Answer twelve questions to see how ready you are and what to gather before invoking the appraisal clause.

Appraisal file checkup12 questions · about two minutes
  1. Has the insurer accepted coverage for at least part of the loss?
  2. Do you have the carrier's complete, itemized estimate?
  3. Do you have your own itemized estimate?
  4. Do you have dated photos from soon after the loss?
  5. Have you read the appraisal clause in your policy?
  6. Do you know your policy's suit-limitation date?
  7. Did you protect the property and keep receipts?
  8. Has hidden damage been opened up and documented?
  9. If the property is remote, do you have freight or travel quotes?
  10. Do you have your current declarations page?
  11. Is your correspondence with the carrier organized by date?
  12. Is the gap more than roughly 10% or $5,000?
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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.

    Why preparation matters

    An appraisal award is binding on the amount of loss. Anything missing from your documentation when the panel decides may be gone for good. Preparing first means the panel sees the full scope.

    What the score means

    Each question is weighted by how much it typically affects an appraisal. A high score means you have the core pieces. A low score means appraisal now could lock in a low number. The to-do list shows what to work on first.

    Alaska-specific items

    Two questions reflect Alaska conditions: documenting snow and ice when weather was involved, and getting freight and travel quotes for remote properties. Both are commonly missing from carrier estimates.

    Questions about this tool

    Do I need a perfect score?

    No. It is a guide. Some items may not apply to your claim.

    Is anything I enter saved?

    No. Answers stay in your browser.

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