Why preparation comes first
The award is binding on the amount of loss once two of the three panel members sign it. If a damaged area was never opened up, or your estimate is a single lump sum, it’s hard to add later. The strongest files have three things: accepted coverage, two itemized estimates, and dated proof of the damage.
How the score is weighted
Coverage, both itemized estimates and the carrier’s full estimate count most. Photos, hidden-damage inspection, policy reading and mitigation come next, then the paperwork that keeps a file organized.
- 75 or above: ready for a professional look at the dollar gap.
- 45 to 74: close the flagged items first.
- Below 45: demanding appraisal now risks a low award.
Next steps: the appraisal path, step by step, or the settlement gap projector.
Questions about this tool
Is a high score a prediction of the award?
No. It measures how complete your file is, not the outcome. Pricing, policy terms and the facts of the loss decide the award.
Why does coverage count so heavily?
Appraisal resolves the amount of a covered loss. If coverage itself is denied, the dispute usually belongs with an attorney.
Are my answers saved?
No. Everything stays in your browser and clears when you close or reload the page.