How the score is weighted
Coverage, the two itemized estimates and early photos carry the most weight: without them appraisal is either the wrong tool or a weak one. Housekeeping items like organized correspondence still count, but they’re quicker to fix.
What your number means
- 75 or more: a solid file. The next step is a professional look at the dollar gap — see our estimate audit.
- 45–74: work through the to-do list before demanding appraisal.
- Under 45: demanding now risks locking in a low award. Build the file first.
Questions about this tool
Are my answers saved?
No. The checkup runs in your browser and nothing is stored or sent.
Does a high score mean I’ll win appraisal?
No. It means your file has the pieces a panel expects. The award still depends on the evidence, the pricing and the people on the panel.
What should I do if coverage was denied?
Appraisal generally decides the amount of a covered loss, not whether a loss is covered. For a denial, talk with an Ohio attorney.