ArizonaInsurance Appraiser

Free checklist

Claim File Readiness Check: Is Your File Ready for Appraisal?

Appraisals are won or lost on the file you bring. Answer twelve quick questions to see where yours stands and what to fix before anyone signs a demand.

Claim file readiness check12 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 line-item estimate, not just a summary?
  3. Do you have your own itemized estimate?
  4. Do you have dated photos taken soon after the storm or event?
  5. Have you found and read the Appraisal condition in your policy?
  6. Do you know your policy’s deadline to file suit?
  7. Have temporary repairs been made, with receipts kept?
  8. For tile roofs, has the underlayment condition been checked?
  9. Do you have your current declarations page?
  10. Has hidden damage (attic, walls, decking, slab) been opened and documented?
  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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Answered 0 / 12

Your to-do list

    For planning only. Results depend on the figures you enter and your policy’s terms. They are not a quote, an appraisal or legal advice.

    How the score is weighted

    Coverage, estimates and evidence carry the most weight, because they decide whether appraisal is even the right tool and how well your number will hold up. The tile underlayment question is specific to Arizona: on tile roofs it often decides whether repair is possible at all.

    What to do with your score

    • 75 or higher: your file is in good shape. A professional review of the dollar gap is the logical next step.
    • 45 to 74: close the open items first. Each one strengthens your position.
    • Below 45: invoking appraisal now risks locking in a low number. Build the file first.

    Questions about this tool

    Are my answers saved?

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

    Can I share the result?

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

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