How the estimator works
The disputed amount is your replacement cost estimate minus the carrier’s. Appraisal panels rarely award either side’s full number, so the slider lets you choose where in that gap an award might land. The estimator then subtracts your appraiser’s fee, whether flat, a percentage of the increase or hourly, and, if you choose, half of an umpire’s fee.
Reading the result
- Net increase is what you might gain after appraisal costs at the inputs you chose.
- Costs as a share of the increase shows how much of the gain fees would absorb.
- If the gap is small, a documented supplement request to the carrier may close it faster and for less.
All figures are illustrative. They aren’t a prediction of any award.
Questions about this tool
What’s a typical appraisal outcome?
There isn’t one. Results depend on the documentation and the facts. That’s why the slider lets you test a range.
Should I include the umpire?
Many appraisals settle between the two appraisers without an umpire. Including half an umpire fee gives you a more cautious estimate.
Does the estimator use ACV or RCV?
It uses replacement cost totals. Use the RCV / ACV holdback calculator to see how depreciation affects payments.