Art Appraisal for Damage Claim

5.0from 80+ client reviews

Art appraisals for damage claim, prepared to support insurance submission. AppraiseItNow provides defensible reports documenting condition, provenance, and comparable sales to support accurate compensation.

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DEFENSIBLE, USPAP-COMPLIANT ARTWORK APPRAISAL REPORTS — QUALIFIED FOR INSURANCE CARRIERS, ADJUSTERS, AND CLAIMS REVIEWERS.

  • State Farm
  • Progressive Insurance
  • Chase
  • Allstate
  • GEICO
  • United States Courts
  • Nationwide Insurance
  • Bank of America
  • IRS

The fine art team behind your insurance appraisal

Between them, our fine art appraisers hold ISA designations, and every report is written to USPAP for insurance carriers, adjusters, and claims reviewers.

Joe Kattan

Joe Kattan

Owner & CEO

Joe founded AppraiseItNow to make a certified, USPAP-compliant appraisal as simple to order as anything else online. A former Bain & Company strategy consultant, Joe leads the entire team and specializes in strategy, growth, and the firm's tech capabilities.

Anne Hay

Anne Hay

Personal Property Appraiser

ISA Accredited Member with 30 years in the trade, from running estate sales and an auction gallery to appraising luxury apparel, furniture, artwork, antiques, and business assets, primarily for IRS tax filings.

Ashley Innes

Ashley Innes

Personal Property Appraiser

ISA Accredited Member specializing in Asian art, with a Master's from SOAS and a Postgraduate Diploma in Asian Art. Ashley chairs the ISA's Antiques, Furnishings, and Decorative Arts committee and appraises for charitable donation, insurance, and equitable distribution.

Aron Blue

Aron Blue

Client Success Manager

Manages each engagement from the first enquiry to the delivered report, and keeps you posted at every step along the way.

  • USPAPWritten to the Uniform Standards of Professional Appraisal Practice
  • Replacement valueThe retail replacement cost carriers and adjusters schedule and settle against
  • International Society of AppraisersAccredited Member
  • The Appraisal FoundationAuthorized by Congress as the source of appraisal standards

Artwork Appraisals for Damage Claims

When artwork is damaged, destroyed, stolen, or lost due to fire, flooding, shipping accidents, or vandalism, a qualified appraisal is the foundation of any insurance settlement or legal recovery. AppraiseItNow provides USPAP-compliant opinions of fair market value and replacement cost that establish what a piece was worth immediately before the loss event. For uninsured losses claimed as IRS casualty deductions, a qualified appraisal is required for items valued above $5,000, reported on Form 8283. Our art appraisal specialists are credentialed through ISA, ASA, AAA, and other recognized bodies, with the subject-matter expertise insurers and courts expect.

We deliver artwork damage claim appraisals both online and onsite across the United States, accommodating everything from a single damaged canvas to a multi-piece collection affected by a catastrophic event. Online appraisals use high-resolution photography and documentation you submit; onsite inspections are available when physical condition assessment is critical to the claim.

Artwork We Appraise for Damage Claims

AppraiseItNow covers a wide range of art types commonly involved in insurance and casualty loss situations, including:

  • Oil, acrylic, and watercolor paintings on canvas, board, or paper
  • Works on paper including drawings, prints, lithographs, etchings, and screenprints
  • Photographs, including fine art photography and limited-edition prints
  • Sculptures in bronze, stone, ceramic, glass, wood, and mixed media
  • Contemporary and modern art, including installation and conceptual works
  • Historical and Old Master paintings with established provenance records
  • Outsider, folk, and self-taught art with regional or national market recognition
  • Posters, maps, and decorative art with collectible or auction market value
  • Digital art and NFT-linked physical works with documented ownership
  • Art damaged in transit, including works shipped domestically or internationally

How the Appraisal Process Works for Damage Claims

  • Appraisers document pre-loss value using comparable auction and gallery sales, provenance records, prior appraisals, and condition reports, then assess post-damage condition to quantify diminution in value or support a total loss determination.
  • Reports include high-resolution photographs of the work before and after damage where available, a detailed description of medium, dimensions, artist, and provenance, the valuation methodology used, and a clear statement of value as of the date of loss.
  • For insurance claims invoking a policy appraisal clause, our appraisers serve as disinterested qualified experts, providing the documentation and credentials that adjusters and umpires require to resolve disputes.
  • Appraisals are delivered with the supporting documentation needed for insurance claim submissions, legal proceedings, or IRS Form 8283 filings, and appraisers are available to respond to follow-up questions from insurers or counsel.

What clients say we are known for

AppraiseItNow Reviews: “The appraisal was done very well” and “I received excellent service from intake to delivery”

  1. Being the appraiser they come back toMentioned in 44 reviews
  2. Answering fast, and staying reachable while the work runs“Joe was always prompt and responsive” Dan R.Mentioned in 34 reviews
  3. Showing the research and the comparables behind the number“Very thorough and professional — great communication and outstanding service” Curt B.Mentioned in 29 reviews
  4. Delivering the finished report ahead of the deadlineMentioned in 21 reviews
  5. Taking on items other appraisers had already turned down“AppraiseItNow did an excellent job appraising our unique art collection” Dan R.Mentioned in 14 reviews

Across 80+ published AppraiseItNow reviews the picture is consistent: every one is from a client who paid us for an appraisal, and the three things they raise most often are that they would hire us again, how quickly we answer, and how much research is visible in the report.

  • The appraisal was done very well. Since he was a local artist here in Charleston, SC, they took the time to study and review Jim Booth’s art. His work has made him extremely famous, which can make an appraisal challenging, but they did a superb job and clearly explained how they arrived at the appraisal value. I highly recommend Appraise It Now and will use them again for all my artwork.
    Lonnie L. , Johns Island, SC ·

    Artwork Appraisal for Insurance Coverage

  • AppraiseItNow did an excellent job appraising our unique art collection. Joe was always prompt and responsive, and he and his team delivered a thorough, well-supported appraisal in just a couple of weeks, even during the holiday season. I was genuinely impressed. Thank you for the great work!
    Dan R. , Bakersfield, CA ·

    Artwork Appraisal for Insurance Coverage

  • I recently requested a retroactive appraisal for fine art from AppraiseItNow. I received excellent service from intake to delivery. The appraisal was delivered on time and the content of the appraisal absolutely met my expectations!
    James H., Rock Hill, SC ·

    Artwork Appraisal

  • From the start they were very responsive, price competitive, and had a quick turn around time. Thank you so much to Joe who was very sweet in responding to my emails; I am looking forward to utilizing AppraiseItNow for many years to come.
    Chris S., San Clemente, CA ·
  • Very thorough and professional — great communication and outstanding service. Highly impressed with their work!
    Curt B. , Washington, UT ·

Frequently Asked Questions on Art Appraisals for Damage Claim

How is a damaged but restorable artwork valued in a claim?

Recovery is commonly the lesser of restoration cost plus any remaining loss in value, or the full pre-loss fair market value. The appraisal must therefore establish both the pre-loss value and the post-restoration value, because claiming full pre-loss value for a repairable painting is routinely disputed by insurers.

What percentage losses do appraisers apply to damaged art?

Claims practice uses quantifiable condition discounts: roughly 40 to 50 percent for fading, 25 to 75 percent for canvas lining, 25 to 50 percent for scattered inpainting, 20 to 30 percent for craquelure, and up to 20 percent for repairable rippling, or around 80 percent when it cannot be repaired. Each percentage must be tied to market evidence for the specific artist and work, or it will be challenged.

Which standard of value governs an art damage claim?

The policy's basis-of-valuation clause: often fair market value, sometimes retail value or, for dealers, consigned value plus 10 percent. Applying the wrong standard, such as retail replacement when the policy specifies fair market value, can get the appraisal rejected or the claim repriced.

What if the owner and insurer disagree about a damaged artwork's value?

Fine art policies typically have each side appoint an appraiser and, if they cannot agree, a disinterested umpire determines fair market value at the date of loss from past auction results and private sales. Umpires reject appraisals built on outdated or non-comparable sales, so current, well-matched comparables usually decide these disputes.