How the score is weighted
Questions about accepted coverage and the two itemized estimates carry the most weight, because without them appraisal either can’t start or can’t succeed. Photos, policy deadlines and complete scoping come next. Paperwork items carry the least weight but still matter.
What a strong file looks like
- Written acceptance of coverage, even partial.
- The carrier’s full line-item estimate and your own.
- Dated photos from right after the loss and of current conditions.
- For co-ops and condos, the lease or bylaws section on who repairs what.
- A calendar of every deadline.
Worth knowingA low score isn’t a dead end. It’s a list. Most gaps can be closed in a week or two, and closing them often moves the carrier before appraisal is even needed.
Then test the economics with the settlement gap & fee estimator, or read the appraisal walkthrough.
Questions about this calculator
Is my answer data saved?
No. Answers stay in your browser and disappear when you leave the page.
What score should I aim for?
Roughly 75 or higher means your documentation is in good shape. Below that, work through the to-do list first.
Does a high score mean appraisal will work?
No. It means your file is organized. The economics and the facts of the loss still decide whether appraisal makes sense.