Reading the result
The amount in dispute is simply your figure minus the insurer’s. The scenario award assumes the panel lands part of the way between the two. Subtract your appraiser’s fee and your half of the umpire and you get an illustrative net increase. None of these numbers is a prediction — they help you see whether appraisal makes economic sense at all.
Stress-test the slider
Run the estimator at 30%, 50% and 75%. If appraisal only pays off when you win nearly everything, the case is thin. If it still pays at 40%, it’s worth a conversation. Documented line items — measured roof slopes, matching problems, code items your county enforces — tend to hold up; round-number allowances tend to fall.
What this tool doesn’t include
- Deductibles, policy limits and sub-limits — they change what you’re paid, not the size of the dispute.
- Depreciation timing — use the RCV / ACV & holdback worksheet.
- Time and inconvenience, or interest.
Questions about this tool
Is the scenario award a forecast?
No. It’s a what-if. Real awards depend on the evidence, the appraisers and the umpire, and on your policy wording.
Are appraiser fees in Maryland usually flat or a percentage?
Both arrangements exist. Whatever the structure, ask for it in writing before you sign, and think about whether a contingent fee could be questioned under a ‘disinterested appraiser’ requirement in your policy.