What to Have Ready Before Your Appraiser Arrives

A well-prepared file dramatically shortens timelines and strengthens the final award.

Documentation Checklist

• A complete copy of the insurance policy (declarations + endorsements)
• The carrier's most recent estimate and scope of loss
• Your own line-item estimate (Xactimate, Symbility, etc.)
• Photos and video of all damage, ideally pre-tear-out
• Engineer or specialist reports (roofing, plumbing, mold, etc.)
• A chronology of communications with the carrier
• Receipts for any mitigation or emergency repairs
• Original purchase records for high-value contents

Site Access

Make sure the appraiser can access every affected area. Removing finishes ahead of time often hurts more than it helps — let the appraiser document first.

Be Honest About Pre-Existing Conditions

Hiding wear-and-tear damages your credibility. A skilled appraiser will work pre-existing conditions into the discussion fairly.