How the estimator works
The disputed amount is simply your estimate minus the carrier’s. Appraisal panels rarely award either side’s full number, so the slider lets you test outcomes anywhere in between. The tool then subtracts your appraiser’s fee (flat or percentage) and, if you tick the box, half of the umpire’s fee.
Reading the result
- Net increase: the projected award minus the carrier’s estimate, minus your costs.
- Gap as a percentage: a quick sense of how far apart the two estimates are.
- The message: a rule-of-thumb read on whether appraisal, a supplement or a review is the logical next step.
Keep in mind
These figures are illustrative only. Real awards depend on the evidence, the panel and your policy. Deductibles, depreciation and prior payments also affect what you actually receive — try the RCV/ACV holdback calculator for that part.
Questions about this worksheet
Where should I set the slider?
Try several positions. A well-documented claim may land closer to your number; a weak one closer to the carrier’s. The point is to see whether appraisal still makes sense at a cautious setting.
Are appraiser fees really that much?
Fees vary by claim size and complexity. Enter the actual quote you receive; any appraiser should give you the fee in writing before work starts.
Does the estimator account for my deductible?
No. It compares estimate totals. Use the holdback calculator to see how deductibles and depreciation affect payment.
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