How the claim gap calculator works
The gap is simply your replacement-cost estimate minus the carrier’s. Appraisal rarely awards one side’s number in full, so the slider lets you test where an award might land inside that gap. The calculator then subtracts what appraisal costs you: your own appraiser’s fee (flat, hourly or a percentage of the increase) and, if the panel needs one, half of the umpire’s fee.
The break-even point
The highlighted figure shows how far into the gap an award has to land just to cover your costs. If break-even sits at 15%, almost any reasonable award helps. If it sits at 70%, the dispute may be too small for formal appraisal and a documented supplement request, or an estimate review, is often the smarter first move.
Reading the result
- Gap under about 10% of the carrier’s estimate: often closable with photos, measurements and a written supplement.
- Gap of several thousand dollars or more, with clear line-item differences: worth a conversation about appraisal.
- Gap driven by a coverage denial: appraisal values covered damage; it doesn’t decide coverage. Speak with a Montana attorney.
Every figure here is illustrative. Real awards depend on the evidence, the policy and the panel.
Questions about this tool
Why compare replacement cost and not the check I received?
Your first check is usually actual cash value minus the deductible. Appraisal sets the amount of loss, typically at both replacement cost and actual cash value, so comparing RCV totals shows the real size of the disagreement.
Do appraisers usually charge a percentage?
Some do, some bill hourly and some charge a flat fee. The calculator handles all three. Whatever the structure, get the terms in writing before work begins.
Will I always pay half of an umpire?
Most appraisal clauses split the umpire’s cost equally between you and the insurer. If the two appraisers agree without an umpire, there’s no umpire fee at all.