Can I use an appraisal to get homeowners insurance?

• <div><p>Your home insurance company may allow you to use an appraisal instead of an inspection when you apply for coverage. Keep in mind that despite this, an appraisal is far less detailed than the different <a href="https://www.angi.com/articles/types-of-home-inspections.htm">types of home inspections</a> available and may not reveal potential risks that you’ll want to know about. </p></div>

Does ceiling height affect a home's value?

• <div><p>Yes, high ceilings can increase your home's value when it's time to sell. According to some studies, homes with ceilings that are 9 feet or higher can sell for up to 6% more than homes with lower ceilings. While other factors like your home’s location and condition are more impactful, homes with high ceilings have a greater perceived value. Buyers often appreciate the extra space and modern feel that high or vaulted ceilings provide, making it a potentially worthwhile investment.</p></div>

Get matched with top real estate agents in Murphys, CA

Q: Is the appraisal value the same as market value?

• <div><p>No, the appraisal value comes from an appraiser and is a professional opinion of value based on property location and condition, while the market value is determined solely by what buyers are willing to pay for your home. Lenders normally use appraised values to ensure they&rsquo;re staying within target loan-to-value (LTV) ratios&mdash;the market value is simply what the home sells for. Appraised value can sit above or below market value.</p></div>

Q: Does mixing siding types affect home value?

• <div><p>Yes, mixing siding types will affect your home value, and in most cases, it will improve curb appeal and add to the value of your home. This is especially true if you get the benefit of the high-end appearance of brick or stone siding but save on siding costs by covering most of the exterior with more affordable vinyl or fiber cement.</p></div>

Q: Can a seller back out if an appraisal is higher than an offer?

• <div><p>If the sales agreement has a clause that allows the seller to renegotiate based on the appraised value, then they might be able to back out if the appraisal comes in higher than your offer price. If the agreement doesn&rsquo;t have that language, then the seller has no legal recourse to back out. They could hold a higher offer as a backup and move onto that one if yours falls through for any reason, but once the agreement is signed, the seller is locked into that purchase price unless there&rsquo;s a clause stating they can renegotiate.</p></div>

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Verified Reviews for Real Estate Service pros in Murphys, CA

*The Angi rating for Real Estate Service companies in Murphys, CA is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Real Estate Service needs.

*The HomeAdvisor rating for Real Estate Service companies in Murphys, CA is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Real Estate Service needs.

Last update on August 03, 2026

Reviewed in August 2026
Chase is very professional, down to earth guy that does great work!
T Chase Construction
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Reviewed in December 2018
It was great! Mike Nelson showed up on time and cleaned up everything after he finished the job. Our kitchen is in an older home, walls were not squared, old baseboard not properly installed. To say the least it was a real challenge. We had previously asked another installer to give us a quote,...
Nelson Carpets
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Reviewed in May 2018
They treat their customers with care and courtesy. They put their customer before their profit. A real pleasure doing business with them. They are tops on my list of professionals.
Harry's Garage Doors
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Reviewed in November 2016
An absolute transformation! I love it and get so many compliments on it. John and his crew were reliable from beginning to end. Their attention to detail is very impressive. They were extremely courteous, clean and organized. THEY KNOW WHAT THEY ARE DOING AND DON'T WASTE TIME TRYING TO FIGURE...
Feriani Construction
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Reviewed in February 2014
We could not ask for better service the movers were helpful, real careful with items. Will use them again.
SONORA MOVING
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Reviewed in January 2014
Excellent experience. Sam was willing to work with a real estate closing that hinged on buyer and seller sharing expenses. His team, always punctual, worked efficiently to get the job done; including daily clean up. Sam's ideas for improving the given plan were spot on and appreciated....
Nilscraft Construction
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Reviewed in October 2012
She broke the contract on 10/03/12. This estate sale was supposed to help finance my retirement. She told me she had to brake the contract because she felt her reputation would suffer if she participated in the sale. She did not give me any other reason. The items were top quality, and from...
J Hiebert Appraisals & Estate Sales
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Reviewed in April 2012
They charged the standard 6% of the sale. They charged the normal charges that a real estate agent charges and nothing exorbitant. They were very helpful and they were there to answer all the questions. I had a lot of questions and they answered all of them and they never gave me a bad time at...
CENTURY 21 Tri-Dam Realty
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Find Real estate agents in Murphys

Appraisal - Real Estate

Serving Murphys, CA and surrounding areas

In business since 1982

Free estimates

Credit card accepted

"They did a thorogh job, prompt, curteous and professional.
"

Recommended by77%of homeowners

Appraisal - Real Estate

Serving Murphys, CA and surrounding areas

In business since 2008

Emergency services offered

Credit card accepted

"I had great service! The agent who did the faucets was very polite, and professional. He did a great job, our faucets are nice and sturdy. On the washing machine issue, the agents that arrived were also polite and professional. The agent said that the machine needed to be replaced. Fortunately, the coverage I had allowed me to be approved to purchase a new one! I guess I made the right (CHOICE HWS)"

Recommended by81%of homeowners

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Showcase Regional Housing LLC

5.0(

)

Appraisal - Real Estate

Serving Murphys, CA and surrounding areas

In business since 2009

Free estimates

Credit card accepted

Corporate Housing, Alternative living, Second chance Program

Recommended by100%of homeowners

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Allied Business Services

5.0(

)

Appraisal - Real Estate

Serving Murphys, CA and surrounding areas

In business since 2003

Free estimates

Allied Business Services, is a real estate valuation firm performing appraisals for lenders, real estate agents, lawyers, accountants and private parties. We pride ourselves on our high quality, diligently prepared and thoroughly readable appraisal reports. You can count on our experience, ethics, competence, diligence and delivery. Our business is built on these values. When it comes to making important real estate investment decisions, the more you know, the better decision you can make.

Recommended by100%of homeowners

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Justin Gentry, Appraiser

0.0(

)

Appraisal - Real Estate

Serving Murphys, CA and surrounding areas

In business since 2006

Free estimates

Credit card accepted

Allow Justin & Rayleane Gentry of Justin Gentry, Appraiser, to perform your next residential appraisals for Real Estate. You can use these appraisals for purchases, refinancing and private mortgage insurance removal. Appraisals are also required for FHA loans, divorces, and estate settlements. \n\nCall Justin or Rayleane today to schedule your appointment! \n

Recommended by100%of homeowners

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Friend's Appraisal Service Team

New to Angi

Appraisal - Real Estate

Serving Murphys, CA and surrounding areas

In business since 1995

Welcome to Friend's Appraisal Service Team! We take pride in the quality of work and customer satisfaction that we give each and every customer! We are known to pay exquisite attention to detail while making customer satisfaction our top priority. Call us today to learn more about how we can help you!\n

Response time4 days

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Real Estate Agents questions, answered by experts

No, the appraisal value comes from an appraiser and is a professional opinion of value based on property location and condition, while the market value is determined solely by what buyers are willing to pay for your home. Lenders normally use appraised values to ensure they’re staying within target loan-to-value (LTV) ratios—the market value is simply what the home sells for. Appraised value can sit above or below market value.

Yes, mixing siding types will affect your home value, and in most cases, it will improve curb appeal and add to the value of your home. This is especially true if you get the benefit of the high-end appearance of brick or stone siding but save on siding costs by covering most of the exterior with more affordable vinyl or fiber cement.

Your home insurance company may allow you to use an appraisal instead of an inspection when you apply for coverage. Keep in mind that despite this, an appraisal is far less detailed than the different types of home inspections available and may not reveal potential risks that you’ll want to know about.

Yes, high ceilings can increase your home's value when it's time to sell. According to some studies, homes with ceilings that are 9 feet or higher can sell for up to 6% more than homes with lower ceilings. While other factors like your home’s location and condition are more impactful, homes with high ceilings have a greater perceived value. Buyers often appreciate the extra space and modern feel that high or vaulted ceilings provide, making it a potentially worthwhile investment.

If the sales agreement has a clause that allows the seller to renegotiate based on the appraised value, then they might be able to back out if the appraisal comes in higher than your offer price. If the agreement doesn’t have that language, then the seller has no legal recourse to back out. They could hold a higher offer as a backup and move onto that one if yours falls through for any reason, but once the agreement is signed, the seller is locked into that purchase price unless there’s a clause stating they can renegotiate.

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