Reading the three scenarios
Panels seldom award either side’s opening figure. Items backed by measurements, photos and local pricing tend to survive; unsupported items tend to drop out. That’s why this estimator shows three landing points instead of one. If appraisal only pays off in the 85% row, the case leans heavily on perfect documentation. If it’s still positive at 35%, the dispute is probably large enough to justify the process.
The break-even point
The break-even figure is the share of the disputed amount the award must reach just to cover your appraiser and your half of the umpire. With a percentage fee there’s no true break-even, because the fee shrinks with the result, so the tool reports the fixed umpire share instead.
What this doesn’t include
- Deductibles and depreciation timing — use the RCV/ACV holdback calculator for that.
- Policy limits and sublimits, such as a sewer backup endorsement.
- Coverage questions. Appraisal values a covered loss; it doesn’t decide what’s covered.
Questions about this tool
Why three scenarios instead of a slider?
A single projected award invites false precision. Seeing a cautious, middle and strong outcome together shows how much of the result depends on documentation.
Who pays the umpire in Ohio appraisals?
Most policies say each side pays its own appraiser and the umpire’s fee is shared equally. Check the appraisal condition in your own policy.
Can appraisal lower my claim?
The panel decides the amount of loss on the evidence, so an award can come in below what you hoped for. It rarely goes below an amount the insurer has already agreed to, but read your policy and any demand carefully.