Insurance Appraisals
Insurance Appraisals
Market-supported site and improvement values for total loss and replacement cost decisions.
Overview
When a home is destroyed or heavily damaged, insurance agencies and claims professionals need to know what the structure contributed to value, separate from the land it sits on. We provide independent appraisals for total loss events and replacement cost questions, giving agents, adjusters, and policyholders a clear, documented starting point.
Our Method: Delineated Market Analysis
We separate the value of the site from the contribution of the improvements using delineated market analysis. Land sales and improved sales from the local market are studied side by side, so the split between land and building is drawn from what buyers in that market actually paid rather than a generic ratio or an assessor’s allocation. Every conclusion is supported by the market data in the report.
What This Service Includes
Assignments can include site value, the contributory value of the improvements, pre-loss market value, and replacement cost analysis, scoped to what the agency or claim needs. Retrospective (pre-loss) effective dates are available when the property has already been damaged. All reports are prepared in compliance with USPAP.
Why Do Clients Choose Us?
Insurance professionals rely on our independence, our knowledge of West Michigan land and housing markets, and reports that clearly explain how land and improvement values were reached. We coordinate site access with agents, adjusters, and property owners and keep everyone informed from engagement to delivery.
5-Star Google Reviews
What Our Clients Say
“Corinne was super responsive, very communicative and did a great job for us. Appraisal report was professional and promptly delivered as she said it would be. Highly recommend!”
“I've been personally referring her as my go-to Appraiser for all my clients from multiple years. Her communication is fantastic. Her analysis fair and timely. And she is keeping up her knowledge base with everything that's happening in the world to make a fair appraisal. Just what my clients need! Thank you!”