Read the result as a range, not a promise
Panels rarely adopt either side’s opening figure. Line items backed by measurements, photos and local pricing tend to survive; padded or unsupported items tend to fall away. Run the slider at 30%, 50% and 75%. If appraisal only pays off near 100%, the file is fragile. If it still pays at 40%, it is worth a conversation.
Fee structures you may be quoted
- Flat fee — a fixed amount for the engagement, sometimes with a separate inspection charge.
- Percentage of the increase — a share of the amount the award adds over the carrier’s estimate. Some policies and courts look closely at whether a contingent arrangement is consistent with an appraiser being “disinterested,” so ask how the fee is set before you sign.
- Umpire — usually split evenly between you and the carrier, and only needed if the two appraisers can’t agree.
What isn’t in the math
Deductibles, depreciation timing, policy limits and sub-limits change what you are paid, not the size of the dispute. For holdback timing, use the RCV / ACV holdback calculator; for coastal wind claims, try the hurricane deductible calculator.
About this estimator
Does a higher slider setting mean a stronger case?
No. The slider is a what-if. Strength comes from documentation, accurate scope and current local pricing.
Who pays the umpire?
Most policies split the umpire’s fee evenly between you and the insurer. Each side pays its own appraiser.
Is this an appraisal of my claim?
No. It’s a planning calculator. An appraisal requires an inspection and a line-item estimate.