Wyoming Insurance AppraiserIndependent claim appraisal

Free checklist

Appraisal Readiness Checklist: The Ready-Meter

A panel can only work with the evidence in front of it. Answer twelve questions to see how complete your file is and what to tackle first.

Appraisal ready-meter12 questions · about two minutes
  1. Has the insurer accepted coverage for at least part of the loss?
  2. Do you have the carrier’s complete, itemized estimate?
  3. Do you have your own itemized estimate from a contractor or estimator?
  4. Do you have dated photos of the damage taken soon after the loss?
  5. Have you read your policy’s appraisal clause?
  6. Do you know your policy’s suit-limitation date?
  7. Have temporary repairs been made and receipts saved?
  8. Do you have your declarations page?
  9. Is all hidden damage opened up and documented?
  10. Is your correspondence with the carrier organized by date?
  11. Is the gap between estimates more than about 10% or $5,000?
  12. Has a sworn proof of loss been submitted if the carrier asked for one?
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Answered 0 / 12

Your to-do list

    For planning only. Results depend on the figures you enter and your policy’s terms. They are not a quote, an appraisal or legal advice.

    How the score is weighted

    Coverage, estimates and evidence carry the most weight, because they decide whether appraisal is the right tool and how well your number will hold up in front of an umpire. Paperwork items matter too, but they are easier to fix.

    Reading your result

    • 75 or higher: the file is in good shape. Have a professional review the dollar gap next.
    • 45 to 74: close the open items first — each one strengthens your number.
    • Under 45: a demand now could lock in a low award. Build the file before you start.

    Questions about this calculator

    Is anything I answer stored?

    No. The checklist runs entirely in your browser and nothing is saved or sent.

    Can I share the to-do list?

    Yes. Take a screenshot or copy the list and bring it to your consultation.

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