Why readiness matters
Once appraisal is demanded, the process moves on its own schedule. Appraisers inspect, compare estimates and, if needed, take open items to an umpire. A file missing the carrier’s full estimate, a competing estimate or dated photos tends to produce a weaker award, no matter how real the damage is.
How the score is weighted
Three questions carry the most weight because appraisal can’t really start without them: accepted coverage, the carrier’s line-item estimate and your own detailed estimate. Policy knowledge, photos, receipts and deductibles come next. Timing and repair status round it out.
What to do with your score
- 75 or above: your file is in good shape. The next question is whether the gap justifies the cost; try the claim gap calculator.
- 45–74: close the gaps on your list first.
- Under 45: hold off. Start with our guide to building a claim file.
Your answers stay in your browser and disappear when you leave the page.
Questions about this tool
Is a high score a guarantee?
No. It means your file has the pieces an appraisal panel expects. The outcome still depends on the evidence, the estimates and the policy.
What if the insurer denied the whole claim?
Appraisal usually addresses the amount of a covered loss, not whether there is coverage. A full denial is a question for a Montana attorney.
Can I retake the quiz?
Yes. Use ‘Start over’ any time. Nothing is saved between visits.