RV Appraisal for Insurance Coverage

5.0from 80+ client reviews

RV appraisals for insurance coverage, prepared to support insurance submission. AppraiseItNow provides certified valuations documenting your motorhome or travel trailer's true worth, protecting you from underinsurance after a total loss.

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DEFENSIBLE, USPAP-COMPLIANT RECREATIONAL VEHICLE APPRAISAL REPORTS — QUALIFIED FOR INSURANCE CARRIERS, UNDERWRITERS, AND AGENTS.

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

The vehicle team behind your insurance appraisal

Between them, our vehicle appraisers hold CAGA designations, and every report is written to USPAP for insurance carriers, underwriters, and agents.

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.

Jason Dolph

Jason Dolph

Machinery & Equipment Appraiser

Third-generation auctioneer and CAGA Certified Appraiser with more than 20 years valuing machinery, equipment, vehicles, business assets, and estates for banks, attorneys, and trustees across the Carolinas.

Marnie Erkelens

Marnie Erkelens

Vehicle Appraiser

CAGA Certified Appraiser since 2014, covering vehicles, boats, equipment, fine art, and collectibles. A classic-car restoration background informs her vehicle work, with reports prepared for insurance, divorce, and charitable contributions.

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
  • Certified Appraisers Guild of AmericaCertified Appraiser
  • The Appraisal FoundationAuthorized by Congress as the source of appraisal standards

RV Appraisals for Insurance Coverage

AppraiseItNow provides USPAP-compliant recreational vehicle appraisals specifically for insurance coverage purposes, including agreed value policy underwriting, scheduled rider documentation, and coverage updates after upgrades or market shifts. Insurers often require a formal appraisal before issuing agreed value policies on RVs older than five model years or those with significant custom features. The most relevant value standards are replacement cost and actual cash value, depending on your policy type and carrier requirements. Our recreational vehicle valuation specialists bring deep knowledge of the RV market across all major classes and configurations.

We deliver appraisals both online and onsite throughout the United States, producing detailed, photo-documented reports that satisfy insurer underwriting requirements. Whether you are securing new coverage, updating limits after adding a satellite system or solar array, or preparing for a policy renewal, our insurance coverage appraisal services are structured to meet carrier standards and hold up to scrutiny.

RV Types We Appraise for Insurance Coverage

AppraiseItNow covers the full range of recreational vehicles commonly requiring documented insurable value for coverage purposes.

  • Class A motorhomes, including diesel pushers and gas-powered coaches
  • Class B camper vans and Class C motorhomes, including super C configurations
  • Fifth wheel trailers, including luxury and toy hauler variants
  • Conventional travel trailers, from lightweight models to full-size units
  • Pop-up campers, truck campers, and teardrop trailers
  • Park model RVs used seasonally or as primary recreational units
  • Vintage and classic RVs, including restored or collector-grade units
  • Custom-built or heavily modified RVs with aftermarket upgrades such as solar systems, custom cabinetry, or advanced electronics
  • Rental fleet RVs and dealer inventory units requiring scheduled coverage documentation
  • Full-time liveaboard RVs where standard auto policies may not apply

How AppraiseItNow Handles RV Insurance Appraisals

Our process is designed to produce reports that insurers accept and that accurately reflect your RV's current insurable value.

  • Appraisers review vehicle specifications, condition, documented upgrades, prior damage history, and current comparable market data to establish a well-supported value conclusion aligned with your policy type.
  • Reports include detailed photographs, a written description of the unit's condition and features, the value standard applied, and the appraiser's signed certification of USPAP compliance, giving your insurer everything needed for underwriting or rider approval.
  • AppraiseItNow's credentialed appraisers hold certifications through recognized professional organizations including ISA, ASA, AAA, CAGA, AMEA, and NEBB, and are experienced with both standard production RVs and specialty units that lack straightforward comparable sales.
  • Appraisals are valid for approximately three years, and we recommend updating your report at each policy renewal or after any significant modification to avoid coverage gaps or disputes at the time of a claim.

What clients say we are known for

AppraiseItNow Reviews: “They were wonderful to work with” and “These guys were phenomenal”

  1. Being the appraiser they come back to“I highly recommend their services” Kim R.Mentioned in 44 reviews
  2. Answering fast, and staying reachable while the work runsMentioned in 34 reviews
  3. Showing the research and the comparables behind the number“it’s clear they did a significant amount of research” Kim R.Mentioned in 29 reviews
  4. Delivering the finished report ahead of the deadline“They did the appraisal quickly and VERY thoroughly” Scott B.Mentioned in 21 reviews
  5. Taking on items other appraisers had already turned downMentioned 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.

  • These guys were phenomenal. Joe was very responsive and gave clear instructions on how to submit my information for the appraisal, which he completed in a very quick timeframe. The appraisal itself was extremely detailed and included a thorough explanation of how they arrived at the value. It came with extensive documentation, and it’s clear they did a significant amount of research. They were also very responsive through text and email and always available to answer any questions. I had them appraise my fifth-wheel RV for resale, and I highly recommend their services. I will definitely use them again.
    Kim R. , Emory, TX ·

    Recreational Vehicle Appraisal for Insurance Coverage

  • Joe at AppraiseItNow was extremely helpful with my total loss situation and requirements! I contacted him on Saturday of a holiday weekend (Labor Day 2025) and he responded back promptly! He then provided all the intake requirements to support my RV appraisal for insurance purposes which made the information sharing very simple (completed in 5-minutes). His team took the information and developed a comprehensive, industry standard report for me to provide back to my insurance company to ensure I receive the proper value for my RV. This was reviewed and completed within a few business days! Working with AppraiseItNow was a relief and a reasonable price. If I ever find myself in needing an apprasal again I will be a returning customer! I am definitely referring others in similar situation to me and confirming that AppraiseItNow can be trusted to deliver what they commit to! Thank you again for the support to Joe and the AppraiseItNow team!!!
    Phil M., Gurnee, IL ·

    Recreational Vehicle Appraisal for Total Loss

  • My daughter had purchased a very collectible 2003 Mustang Cobra terminator just 3 months before her accident with 50,000 miles on it, for 30,000 dollars. We were experiencing some very heavy rains and she hydroplaned and smashed into a guard rail and totaled her car. The insurance company offered her $18,000, but we told them that was an insult to this car. We kept going round and round with them but they were not budging. Finally we googled an independent appraiser and found AppraiseItNow! Their appraised value was 26,462. They negotiated with the insurance for us and we ended up with 25,900. They were awesome and helped us get much closer to the appropriate value of the Cobra. Absolutely worth the price we paid. Highly recommended!
    Chriss P., Jasper, MO ·

    Car Appraisal for Insurance Claim

  • I was in dire need of an appraisal for my father's mobile home, which he needed for Medicaid approval. I couldn’t find anyone to do it for a long time, but then I found this company online and decided to give them a try. I’m so glad I did. They were wonderful to work with. I sent the pictures, and within just a few days I received the appraisal. They are absolutely worth the money.
    Kevin N. , Wellsburg, NY ·

    Mobile Home Appraisal

  • I was very happy with the work put in on my totaled car appraisal. They did the appraisal quickly and VERY thoroughly. I felt like my insurance company gave a very low appraisal and Appraise It Now was very competitive, realistic and true to my expectations. The best part was they did a stellar job negotiating with my insurance company. I feel great about their work.
    Scott B. , Indianapolis, IN ·

    Auto Appraisal for Insurance Claim

  • The short time working with AppraiseItNow was great, Fast on getting on top of any questions you might have any appraisal concerning insurance claim. I will go with these guys again!
    George W., Chicago, IL ·

    Motorcycle Appraisal for Insurance Claim

Frequently Asked Questions on RV Appraisals for Insurance Coverage

How do RV insurers decide what a rig is worth?

Standard policies settle at actual cash value, the RV's depreciated market value at the time of loss, typically referenced to NADA-type guide data. Agreed-value coverage instead fixes the payout when the policy is bound, and total-loss-replacement endorsements apply only within the age and time limits stated in the policy.

What does it take to insure a custom or vintage RV at agreed value?

A professional appraisal or detailed bill of sale, photographs, and receipts for upgrades, because book values do not capture restorations or custom builds. Classic RV programs are structured around agreed value precisely because standard depreciation would undercompensate a restored unit after a total loss.

Can I set the agreed value as high as I want?

No. Underwriting rules cap it; one program limits agreed value to the lesser of 125 percent of its displayed market value or $75,000, and receipts submitted after binding cannot raise the written limit. The figure on the declarations page is the enforceable ceiling in any later dispute.

At what point is a damaged RV declared a total loss?

When repair costs cross the applicable threshold, commonly between 70 and 100 percent of actual cash value depending on the state and insurer. There is no single national rule, so whether a rig is repaired or totaled can hinge on both the policy language and where the claim is adjusted.