Property Insurance Appraisals: There’s No Substitute for a Physical Inspection

Managing the risk of property exposure requires values that are both current and accurate.

Desktop appraisal methods and multiple years of value trending depend solely on the accuracy and completeness of the data provided at the time the structure was added to your statement of values. These methods can potentially result in inconsistent values and the exclusion of structures that exist but are not listed on the current statement of values (SOV).

Take this county in the Southeast U.S. for example:

Without a recent onsite appraisal, their values were inaccurate and insurance insufficient. After the onsite appraisal, the county could be more confident in their SOV as well as their insurance coverage.

What benefits have you seen from having an onsite appraisal completed? Comment on this blog post by emailing We’d love to hear from you!

For more information on Centurisk’s property appraisals, or to discuss specific data collection related to your insurance, simply submit the form below! We’re happy to help.

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