Reading the result
The calculator multiplies the gap between the two replacement-cost estimates by the slider percentage to project an award, then subtracts your appraiser’s fee and, if you tick the box, half of an umpire’s fee. All figures are illustrative and depend entirely on what you enter.
Test a range, not a single point
Panels seldom adopt either side’s number outright. Try the slider at 30%, 50% and 75%. If appraisal only makes sense near 100%, your position depends on every line item surviving, which is a fragile place to start. If the net still looks sensible at 40%, the dispute is more likely to justify the cost.
What it doesn’t include
- Deductibles, policy limits and sub-limits, which change what you are paid but not the size of the dispute.
- Timing of recoverable depreciation — use the RCV vs. ACV holdback calculator for that.
- Your time, and any attorney’s or contractor’s fees.
Questions about this tool
Is the projected award a prediction?
No. It is a planning scenario based on the percentage you choose. Real awards depend on documentation, the panel and the policy.
How are appraisal fees usually structured?
Some appraisers charge a flat or hourly fee and others a percentage of the increase. Whatever the arrangement, get it in writing before work starts.
