Why readiness matters
An appraisal panel can only work with the evidence in front of it. The questions here are weighted toward what decides most awards: a clear coverage position, two itemized estimates for the same scope, and photos that show the damage before repairs.
How the score works
Each question carries a weight from one to three. Your score is the share of weighted points you’ve earned. A score of 75 or more suggests the file is in good shape. Below 45, it usually pays to fill the gaps before invoking the clause.
Things the score can’t judge
It can’t judge how strong your estimate is, how your policy is worded, or whether a legal issue such as a denial or a near deadline needs an attorney first. If coverage itself is disputed, appraisal usually isn’t the right tool. See questions answered for more. This tool is for planning only. It doesn’t interpret your policy, and the figures you enter are illustrative.
Questions about this tool
What score should I aim for?
Seventy-five or more is a good sign. A lower score points to specific gaps, listed under the score.
Does a high score mean I’ll win?
No. It means your file has the basics an appraisal panel expects. The result depends on the facts and the estimates.
Are my answers stored?
No. The score is calculated in your browser and disappears when you leave the page.
