Trusted Insurance | Pre- & Post-Loss Appraisals

Reliable appraisals for your valuables, pre- and post-loss.

Pre-Loss

USPSAP-compliant appraisals to ensure proper insurance coverage.

Post-Loss

Defensible reports to support claims and protect your interests.

FAQs

What is an insurance contents appraisal?

• An insurance contents appraisal is a professional valuation of the personal property in a home or business specifically for insurance coverage, documentation, and claims.

• The report records what you own, where it was located, and its value so adjusters, attorneys, and carriers have clear evidence if a loss occurs.

Why should I get a pre‑loss appraisal?

• It helps you set accurate coverage limits so your policy reflects the true value of your belongings.

• It creates a detailed inventory—photos, descriptions, and values—before a fire, theft, hurricane, or water event, so you’re not trying to recreate everything from memory.

• It speeds up claim handling and reduces disputes by providing proof of ownership and value from a neutral, USPAP‑compliant appraiser.

Why would I need a post‑loss appraisal?

• To document damaged or destroyed contents after a fire, flood, storm, or other covered event when the insurer’s numbers appear incomplete or undervalued.

• To support negotiations with the adjuster using an independent, itemized list with fair replacement costs rather than rough estimates.

• To strengthen your claim file if there is a dispute or if your attorney or public adjuster needs evidence to challenge a low settlement.

What types of documentation can you work from?

• Structured spreadsheets with itemized entries and linked images.

• High‑resolution photo folders or albums organized by room or category.

• Full walk‑through videos of the home or business showing contents, fixtures, and built‑ins, which can be used to create a written inventory.

How does The Peterson Exchange handle on‑site vs. virtual work?

• On‑site inspections: A professional visits the property for a detailed, room‑by‑room review—ideal for complex or higher‑value contents.

• Virtual services: You provide photos, videos, and documents, or walk through the space on live video, and the appraiser builds the report from that material.

• Hybrid approach: Begin with your own video or spreadsheet, then schedule an on‑site review for specialty or high‑value items that need closer examination.

What are the main benefits of having an inventory before a loss?

• Ensures you are properly insured and that important upgrades, collections, and valuables are not overlooked.

• Reduces stress after a disaster, when recalling years of purchases is nearly impossible.

• Gives you, your adjuster, and your attorney a clear, organized starting point so you can focus on recovery instead of reconstructing every item from memory.

How much do pre‑ and post‑loss appraisals cost?

• Pricing depends on the size of the property, the volume of contents, the level of documentation required, and whether the work is on‑site, virtual, or hybrid.

• The Peterson Exchange provides clear, up‑front estimates so homeowners, businesses, and adjusters know the expected fee before work begins.

Get in Touch

Reliable appraisals start with a conversation.