Insurance
Insure the rebuild,
not a guess.
Most homeowners set coverage from their insurer’s software estimate — and find out it was wrong at the worst possible moment. A licensed replacement-cost valuation tells you what rebuilding your specific home would actually cost, so your coverage limit is a number you can defend. Starting at $249.
What this appraisal covers
Avoid being underinsured
If your limit is below the real rebuild cost, a total loss leaves you paying the gap. The valuation surfaces it before a claim does.
Stop overpaying premiums
Coverage set too high means premium paid for protection you can’t use. Right-size the limit with evidence.
Carrier-ready documentation
A licensed valuation your agent or carrier can act on — not a back-of-envelope number from a website.
After renovations
Additions and upgrades change rebuild cost. Update your coverage from what the home is now, not what it was at purchase.
How it works
You do the walkthrough on your phone. A licensed appraiser does the rest. No strangers in your home, no scheduling, no waiting rooms.
Tell us about the home
Address, basic details, why you need the appraisal. Two minutes.
Scan your home
Walk each room with your phone camera and narrate what you see. The app guides you through the full walkthrough in about 15 minutes.
A licensed appraiser reviews
A state-licensed appraiser in your market reviews your scan, pulls comparable sales, and prepares the report. Typically 48–72 hours.
Get your report
A defensible, USPAP-compliant appraisal you can hand to your tax board, your attorney, your CPA, or your buyer.
We’re not an AVM, a computer model, or a real-estate agent estimate. Every report is prepared under the Uniform Standards of Professional Appraisal Practice (USPAP) and signed by a licensed appraiser in your state — the same qualification required for mortgage appraisals.
Common questions
Market value is what a buyer would pay — land included. Replacement cost is what rebuilding the structure would cost today. They can differ a lot, and insurance coverage should track the second one.
Carriers set their own underwriting rules, but a licensed appraiser’s replacement-cost valuation is exactly the kind of documentation agents use to justify a coverage change.
After major renovations, and every few years in markets where construction costs move quickly — rebuild costs have jumped far faster than many policy limits.