Why readiness matters
Once two of three panel members sign, the amount is set. A file with a full line-item estimate, dated photos and complete correspondence gives your appraiser something to argue from. A thin file invites a low award.
How the score is weighted
Coverage acceptance and the two estimates carry the most weight, because appraisal can’t work without them. Photos, policy deadlines and hidden-damage inspections come next. Housekeeping items count, but less.
When you’re done, run the claim timeline planner so nothing lapses while you fill the gaps.
Questions about this tool
Is a high score a guarantee?
No. It means your file has the pieces appraisal usually needs. The outcome still depends on the facts and the panel.
Are my answers saved?
No. The checklist runs in your browser and nothing is stored or sent.