How the score is weighted
Questions about coverage, the carrier’s itemized estimate and your own itemized estimate count most, because without them there is nothing for a panel to compare. Photos, policy wording and deadlines come next. Organization items count least but still save time and fees.
What a strong file looks like
- Coverage accepted in writing, with the carrier’s full line-item estimate.
- An independent estimate with measurements, photos and current local pricing.
- Dated photos from right after the loss, plus current conditions.
- The policy, declarations page and a dated timeline of letters and calls.
Next steps
Scored under 45? Work the to-do list first. Scored 75 or more? Size the dispute with the award gap estimator and read the appraisal roadmap.
About this scorecard
Is a high score a guarantee?
No. It means your paperwork is in order. The outcome still depends on the facts and the panel.
Why does coverage acceptance matter so much?
Appraisal resolves the amount of a covered loss. If coverage is denied, appraisal usually isn’t the right tool.
Are my answers saved?
No. Everything stays in your browser and resets when you leave the page.