Artwork Appraisal for Insurance Claim

Artwork Appraisals for Insurance Claims

When artwork is damaged, stolen, or destroyed, your insurer will require documented proof of value before settling a claim. AppraiseItNow provides USPAP-compliant fair market value appraisals for artwork involved in insurance claims, establishing the pre-loss value that forms the basis of your settlement. Most fine art policies specify fair market value as the standard for loss determination, and our art appraisal specialists produce reports that meet the documentation requirements insurers and adjusters expect when evaluating a claim.

We deliver appraisals both online and onsite across the United States, working with individual collectors, galleries, estates, and businesses. Whether you need a pre-loss appraisal to establish coverage or a post-loss report to support an active dispute, our insurance claim appraisal services are structured to move your claim forward efficiently.

Artwork We Appraise for Insurance Claims

AppraiseItNow covers a wide range of artwork categories for insurance claim purposes, including:

• Oil, acrylic, and watercolor paintings by listed and emerging artists
• Works on paper including drawings, pastels, and prints
• Photography, including limited edition and artist-signed prints
• Sculpture in bronze, stone, ceramic, glass, and mixed materials
• Original prints and multiples, including lithographs, etchings, and screenprints
• Contemporary and modern art, including installation and conceptual works
• Folk art, outsider art, and self-taught artist works
• Decorative art objects with fine art characteristics, such as art glass and studio ceramics
• Murals and site-specific commissions with documented ownership
• Collections and groups of works requiring aggregate or individual valuation

How Our Artwork Insurance Claim Appraisal Process Works

• Appraisers credentialed through ISA, ASA, AAA, or CAGA conduct each assignment, with specialization matched to the specific type of artwork being valued.
• Each report documents the artwork's description, condition, provenance, comparable sales data, and the appraiser's value conclusion, giving adjusters the information they need to process a claim without back-and-forth requests for additional documentation.
• For damaged works, our appraisers address both pre-loss value and, where applicable, diminution in value after restoration, which is a distinction that directly affects settlement amounts under most fine art policies.
• Appraisals are delivered digitally and formatted to meet USPAP standards, making them suitable for submission to insurers, use in appraisal clause proceedings, or retention as updated coverage documentation.