01
Household Goods & Personal Property
We establish what damaged, stolen, or destroyed contents were worth before the loss, item by item, so the claim rests on evidence rather than on the carrier’s depreciation schedule.
Insurance Claim Appraisal
Insurance claim appraisal services documenting pre-loss value and replacement cost across personal property, vehicles, and equipment. AppraiseItNow appraises antiques, coins, collectibles, mobile homes, and motorcycles for claim submission.
They negotiated with the insurance for us… Absolutely worth the price we paid
…they did a stellar job negotiating with my insurance company… I feel great about their work
…very helpful in my being able to get the highest amount possible from my insurance company
USPAP-CompliantOnsite or OnlineIRS Qualified
DEFENSIBLE, USPAP-COMPLIANT APPRAISAL REPORTS — QUALIFIED FOR INSURANCE CARRIERS, ADJUSTERS, AND CLAIMS REVIEWERS.
Household Contents, Art, Coins, Vehicles, and Equipment AppraiseItNow Appraises for Insurance Claims
02
Art, Coins & Collectibles
We value lost or damaged artwork, coins, and collections from provenance, grading, and market records, and support the figure if the carrier disputes it.
03
Vehicles, Boats & Mobile Homes
We appraise a total loss or diminished value from comparable local sales, and act as your appraiser under the policy’s appraisal clause when the offer falls short.
04
Machinery & Equipment
We determine the actual cash value or replacement cost of damaged machinery, with the serial numbers, records, and photographs carriers scrutinize.
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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
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.
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.
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.
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.
Justin Ramirez
Business Valuation Expert & Appraiser
ASA, ABV, and CFA charterholder. Since 2016 Justin has valued businesses for estate and gift tax, purchase price allocations, fairness opinions, lending, and buy-sell agreements, across manufacturing, services, retail, and pre-revenue biotech.
Raymond Ghelardi
Business Valuation Expert & Appraiser
Accredited Senior Appraiser with the American Society of Appraisers. Raymond values capital stock, business enterprises, stock options, and intangible assets.
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
Certified Appraisers Guild of AmericaCertified Appraiser
American Society of AppraisersAccredited Senior Appraiser- ABV®AICPAAccredited in Business Valuation
- CFA®CFA InstituteChartered Financial Analyst
The Appraisal FoundationAuthorized by Congress as the source of appraisal standards
About AppraiseItNow's Insurance Claim Appraisal Services
When a dispute arises between you and your insurer over the amount of a loss, an insurance claim appraisal provides a structured, policy-driven resolution. This process establishes the actual cash value or replacement cost of damaged or destroyed property, giving both parties a defensible, independent valuation to resolve disagreements without litigation. Invoked by written demand under your policy terms, the appraisal binds the parties on the amount of loss once completed.
AppraiseItNow delivers insurance claim appraisals online and onsite across the United States, covering personal property, equipment and machinery, artwork, business interests, boats, and automobiles. Our certified appraisers provide the documentation insurers and policyholders need to move claims forward efficiently. Our mission is to deliver defensible, USPAP-compliant valuations with exceptional speed, professionalism, and client service.
What Does AppraiseItNow Appraise for Insurance Claims?
AppraiseItNow covers every major asset class that commonly appears in insurance claim disputes, including:
- Personal Property – jewelry, antiques, furniture, coins, collectibles, and household goods
- Equipment & Machinery – medical equipment, restaurant equipment, manufacturing machinery, and technology assets
- Fine Art – paintings, prints, sculpture, photography, and mixed media
- Business Interests – LLCs, S-corps, partnerships, fractional interests, and privately held stock
- Boats & Watercraft – sailboats, powerboats, yachts, jet skis, and personal watercraft
- Automobiles & Vehicles – cars, trucks, motorcycles, RVs, trailers, and classic vehicles
Who Does AppraiseItNow Serve?
- Policyholders disputing an insurer's loss valuation on damaged or destroyed personal or commercial property
- Business owners seeking independent documentation of equipment, inventory, or asset losses after a covered event
- Insurance adjusters and claims professionals requiring third-party appraisals to support or verify loss amounts
- Attorneys representing insureds in appraisal proceedings or pre-litigation claim disputes
- Collectors, dealers, and private individuals needing certified valuations for damaged artwork, jewelry, or collectibles
What insurance claim clients say we are known for
Insurance Claim Appraisal Reviews: “Absolutely worth the price we paid” and “They did the appraisal quickly and VERY thoroughly”
- Being the appraiser they come back to“I would definitely recommend his services” Christy B.Mentioned in 10 reviews
- Showing the research and the comparables behind the number“They did the appraisal quickly and VERY thoroughly” Scott B.Mentioned in 7 reviews
- Answering fast, and staying reachable while the work runsMentioned in 5 reviews
- Delivering the finished report ahead of the deadline“They did the appraisal quickly and VERY thoroughly” Scott B.Mentioned in 5 reviews
- Picking up on a weekend, and expediting when a tax deadline is closeMentioned in 3 reviews
Across 17 published insurance claim appraisal reviews, every one from a client who paid AppraiseItNow for an appraisal, the three things they raise most often are that they would hire us again, how much research is visible in the report, and how quickly we answer.
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 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
I used AppraiseItNow for the first time last month and I was extremely pleased with the results. I needed an appraisal done for insurance purposes and the level of detail about each of my antique furniture pieces was thorough and very helpful in my being able to get the highest amount possible from my insurance company for the antique items that were damaged. I could see that they spent time making sure that the information she included was correct and current for my antique furniture items in the current market. The team responded to my emails timely to answer any questions I had. I would highly recommend Appraise It Now to get a thorough and professional appraisal done on antique items. I do intend to use them again for other antique furniture and jewelry that I have. Job well done! 😃🤗
Paige E. , Baldwin, NY · Antique Furniture Appraisal for Insurance Claim
AppraiseItNow was fabulous. While they weren’t able to negotiate a higher payout from the insurance company for my totaled car, they fully honored their guarantee and had the money back in my account within days. It’s rare to see a company truly stand behind its product and guarantee. Well done, AppraiseItNow team!
Paul B., Herber City, UT · Auto Appraisal for Insurance Claim
Exceptional customer service and fast turnaround on my request for an insurance appraisal. Their professionalism, responsiveness, and attention to detail strengthened my position in an ongoing insurance claim. Incredibly easy to work with—courteous, efficient, and clear in their communication throughout the process. Highly recommend them to anyone needing accurate, independent appraisals for insurance or personal purposes.
Teresa B., Cat Spring, TX · Personal Property Appraisal for Insurance Claim
I contacted AppraiseItNow on a weekend asking for an expedited appraisal needed the following Tuesday, sent pictures as requested and answered a few questions for their team. Not only did the appraisal arrive on Tuesday, Joe waived the expedited fee! I would definitely recommend his services.
Christy B., Sacramento, CA · Antique Furniture Appraisal for Insurance Claim
Appraisals for Insurance Claim, Near You
AppraiseItNow offers online appraisals and onsite appraisals in all 50 states.
Browse all states by region
Featured Insurance Claim Appraisal Case Studies
Classic Pickup Truck Appraisal for Insurance Claim Resolution
October 30, 2025
A pickup with a specific options package and condition that the insurer's number did not reflect. We found the matching sales.
Fair Market Valuation for Electric SUV Insurance Claim
October 16, 2025
A late-model electric SUV after a damage claim, with comparables matched to its exact trim, battery and mileage.
Vintage Baby Grand Piano Appraisal for Insurance Claim
August 26, 2025
A vintage baby grand destroyed in a covered loss. The insurer needed a replacement cost for an instrument with no exact modern equivalent.
Frequently Asked Questions on Insurance Claim Appraisals
What happens if my insurance company and I cannot agree on an umpire?
If the two appraisers cannot agree on an umpire within the timeframe specified in your policy, the process may stall and appraisal rights could be waived depending on state law. State courts generally enforce strict compliance with policy timelines. Consult your policy language and a qualified insurance attorney to understand your options if umpire selection fails.
Does appraisal apply if my insurer denies coverage entirely?
No, appraisal applies only to disputes about the dollar amount of a covered loss, not to coverage denials. If your insurer denies coverage altogether, you must pursue court resolution to challenge that decision. Appraisal is a remedy exclusively for quantifying loss when both parties agree the claim is covered but disagree on its value.
What if I believe the insurer is invoking appraisal in bad faith to delay my settlement?
Insurers cannot invoke appraisal oppressively or in bad faith, and such conduct may be challengeable under state insurance law. If you suspect bad faith, document the circumstances carefully and consult a qualified insurance attorney. Your attorney can advise whether to proceed with appraisal, seek court intervention, or pursue a bad faith claim against the insurer.
Does an appraisal award guarantee the insurer will pay?
The appraisal award binds both parties on the loss amount, but the insurer can still refuse payment if coverage is denied or other policy conditions are not satisfied. For example, if appraisers agree the loss is $50,000, the insurer must accept that valuation, but if a coverage exclusion applies, payment may still be withheld. Appraisal resolves the quantum of loss, not coverage disputes.
How do I know my appraiser meets the "competent and impartial" standard in my policy?
Your appraiser should have relevant expertise in the specific asset type being valued and must be independent from you to satisfy the impartiality requirement. Credentials such as ISA or ASA membership and USPAP compliance demonstrate professional competence and are widely recognized by insurers and courts. Review your policy language and consult your insurance company or attorney to confirm your selection meets the standard under your state's law.
Can I withdraw from appraisal if I reach a settlement before the process is complete?
A mutual settlement agreement with your insurer would generally supersede the appraisal process, since either party can waive appraisal rights. You should document the settlement in writing and notify both appraisers and the insurer of the withdrawal. Consult your policy language and a qualified insurance attorney to ensure the appraisal is properly terminated and the settlement is binding.