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Checklist: Documentation needed for Pre-Casualty Loss Appraisal

The following info is what you can put on the associated page to this link. You don’t need to include the line separators as Microsoft word added that in. Just make sure spacing looks good.

 

Homeowner Checklist for Pre-Casualty Loss Appraisal:

 

If the property improvements have been significantly or entirely destroyed, the appraiser will need sufficient evidence to accurately reflect the property's overall condition just prior to the casualty event. If the property was recently purchased and marketed on the MLS (Multiple Listing Service) or other public websites, this information is typically used as a basis for assessing the property’s condition before the casualty event, unless the homeowner can provide additional, substantiated evidence to the contrary. When photographic evidence of the property’s interior and exterior is limited or unavailable from appraiser resources, the homeowner’s documentation becomes crucial for accurately depicting the property just prior to the casualty loss. Below is a list of documentation that will assist the appraiser in accurately reporting the property’s physical characteristics, features, amenities, and overall quality and condition before the event.
 

1. Prior Appraisal(s)

  • Previous Appraisal Report(s): If a prior appraisal was conducted, please provide a copy of the report(s).
     

2. Property Documentation

  • Detailed Property Description: A written description of the property, including the number of bedrooms and bathrooms, total room count, any view amenities (type and location), exterior site features (e.g., built-in pool, spa, ADU, gazebo), and materials used for construction (interior and exterior if not readily available).

  • Additional and/or Special Features: Details about custom or unique features (e.g., high-end appliances, special cabinetry, custom finishes, smart home systems, solar panels [leased or owned], etc.).

  • Square Footage Estimate(s): If known, provide the total living area and the size of any additional structures (e.g., garage, pool house, ADUs). Be sure to include the source of the square footage estimate(s).

  • Floor Plans: Architectural drawings or floor plans, if available.

  • Condition of Improvements: A description of the property’s overall condition prior to the casualty event (e.g., dated but well-maintained, recently updated or remodeled, etc.), including any renovations (with time frame).

  • Before Photos: If available, provide photos and/or videos taken before the casualty event. This should include both interior and exterior images/videos.

  • Renovations and Repairs List: A list of upgrades, renovations, or major repairs made to the property in recent years, including estimated improvement or repair costs and completion dates. Note: The IRS may require supporting documentation for improvements made after the home was last purchased.
     

3. Landscaping & External Features

  • Landscaping Details: A description of the landscaping, including trees, shrubs, and hardscaping (e.g., patios, walkways, fences). Include photos if available.

  • External Structures: Information about any external features or structures (e.g., detached garages, workshops, pools, gazebos).

  • Driveway and Parking: Details of the driveway, on-site parking areas, and garage.
     

4. Contact Information

  • Property Access: Provide contact information for the person who can grant access to the property, along with any specific instructions the appraiser may need to gain access to the subject property or neighborhood.

  • Third-Party Source(s): If applicable, provide contact details for any other individuals or entities (e.g., builder, contractor, designer, real estate agent) who may be able to assist the appraiser by providing further details about the property’s condition just prior to the casualty loss/event.

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