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Insurance Appraisal Services

How do you know when to have property appraised for insurance coverage?

It can be overwhelming to decide how to approach an inventory of the contents of your home.  Twenty-five years of experience in the industry present advanced abilities to Mrs. Miller for traveling through a home or business and select the most important articles for the appraisal document.  Using the policy as her guide Claudia identifies characteristics central to a property’s value not commonly recognized.

Insurance companies have a limit of coverage for residential contents general set at a percentage of the value of the dwelling and a ceiling for various property categories.  Claudia will sort out the articles to place under the normal coverage and calculate category totals.  This enables the appraiser to educate the homeowner as to what articles need extended limit or blanket coverage.

Documentation of the property in writing with digital images provides a significant service to both the insurance company and client.

Donation of Personal Property Collections
Hundreds of charitable contribution deductions have been allowed as a result of certified documents produced by Miller.  IRS guidelines are ingrained into the due diligence of this appraisers practice affording every clients confidence through zero audit penalties in her career.

Insurance Commercial Claims Dispute

Claudia Miller frequently estimates value for insurance damage and loss claims in certified documentation form for attorneys and adjusters in dispute.  As a USPAP compliant appraiser she is responsible for investigating personal property damage and making judgments effecting settlements.
Inspection examinations consider condition of item prior to damage, consider age, normal wear, previous damage, possible repair, restoration or replacement of parts.