How the projector works
Appraisal settles how much a covered loss costs. It doesn’t guarantee you’ll get your number. Panels often land somewhere between the two estimates, depending on which line items each side can support. The slider lets you test that range. The scenario table then shows the net at 25%, 50% and 75% of the gap after your appraiser’s fee and your half of an umpire.
- Amount in dispute is your estimate minus the carrier’s, using replacement cost (RCV) on both sides.
- Projected award is the carrier’s number plus the share of the gap you choose.
- Costs are either a flat fee or a percentage of the increase, plus half the umpire’s fee if you tick the box.
Reading the result
If the net stays positive at a 25% landing, the dispute is usually large enough to talk through with a Maine Insurance Appraiser. If it only works at 75% or more, start with a line-item estimate review or a documented supplement request. Those are cheaper and often close smaller gaps.
The default numbers are an example, not a result from any real claim. Fees vary by appraiser and by claim size, so put the real quote in writing before you decide.
Questions about this tool
Why compare replacement cost and not actual cash value?
Appraisal panels usually value both, but the dispute is easiest to see at replacement cost. Depreciation is applied afterward and can be checked with the holdback calculator.
Is a 55% landing typical?
There is no typical figure. Results depend on documentation, pricing and how many items are genuinely disputed, which is why the tool shows a range.
Does the carrier pay my appraiser?
Under most appraisal clauses each side pays its own appraiser and the two sides split the umpire. Read your policy’s Appraisal condition to confirm.