Residential Appraisals

Your home is typically your most valuable investment.  That asset could be at risk if your home has not been appraised for an accurate reconstruction cost recently. 

Although most homeowners policies include an annual inflation factor for your coverage limits, it may not be enough to keep pace with inflation, rising construction costs or home improvements. With these factors your home could be underinsured by 20%, or more.

A replacement cost, (or reconstruction cost) appraisal is the most accurate method for determining the cost to rebuild your home, at today’s construction costs, if it was destroyed.  This cost includes the contractor’s overhead and profit, architect fees, basic construction, built-in appliances, and any unique or specialty features.

Most insurance companies will require an inspection and appraisal of your home when you purchase homeowner’s insurance.  This service is designed to determine an accurate replacement cost for your home, while also detailing the construction details of your home and its unique or special features.  In addition, a detailed risk analysis will provide evaluation of any hazards or exposures in your home to help prevent future losses.  This information will provide you with the peace of mind that your home investment is adequately protected.

Cornerstone Appraisal Services is an independent insurance appraisal company.  We specialize in reconstruction cost appraisals and risk analysis of high value and older homes for the insurance industry.  

We are dedicated to providing the most accurate replacement cost appraisals in the industry, as well as detailed risk engineering and risk analysis services to the discriminating client. Our nationwide network of appraisal & loss control experts specialize in high value custom homes, and are among the most experienced in the industry.

Cornerstone’s objective is to provide a service with the quality you expect, and the professionalism you deserve.