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>

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Q: Who pays for a home appraisal?

• <div><p>The purpose of the home appraisal determines which party pays for it. You&rsquo;re generally responsible for the cost if you need to know the current value of your home to refinance your mortgage, though in some instances the lender will pay for it. The buyer pays for the appraisal when they are applying for their mortgage.</p></div>

Q: How long is an FHA appraisal good for?

• <div><p>An FHA appraisal is valid for 180 days from the effective date of the report. In some cases, you can have the appraisal recertified if you make your request before the original expires so that you still may obtain an FHA loan. If approved, your appraisal update is valid for one year.</p></div>

Q: How long does an FHA appraisal take?

• <div><p>Depending on the size of the home, the appraisal itself can take several hours. After the appraiser&rsquo;s visit is complete, it can take between a few days and a few weeks to get the report back. This timeline is largely dependent on the appraiser&rsquo;s workload, research requirements, efficiency, and other factors.</p></div>

Q: How can I find a trustworthy appraiser?

• <div><p>Some appraisers hold a Member of the Appraisal Institute designation. This accolade is the highest credential property appraisers can earn. An MAI appraisal is typically used for commercial properties.</p><p>While your lender will likely recommend an appraiser, you can also hire a professional home appraiser on your own. Choose someone who is experienced in your type of residential property, and ensure they hold all of the necessary credentials that your state or region requires.</p></div>

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Verified Reviews for Antique And Jewelry Appraisal pros in Petaluma, CA

*The Angi rating for Antique And Jewelry Appraisal companies in Petaluma, CA is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Antique And Jewelry Appraisal needs.

*The HomeAdvisor rating for Antique And Jewelry Appraisal companies in Petaluma, CA is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Antique And Jewelry Appraisal needs.

Last update on July 17, 2026

Reviewed in July 2026
Enrique and Alex did a great job adding cabinets and countertops and multiple small jobs at my house. They are they are professional and reliable and did an amazing job and reasonable pricing.
Pelayos handyman
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Reviewed in August 2025
We highly recommend Green Oak Painting. We consulted several painters, and Green Oak offered the best price and most thorough proposal. Omar and his team were excellent. They worked hard, and went above and beyond on the project (even trimming some shrubs and removing weeds!) The house looks...
Green Oak Painting
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Reviewed in July 2025
I am a perfectionist and have always done all my own painting, home renovations/upgrades/maintenance/repair, gardening, landscaping and plumbing, and electrical (to code with permits). I built the 230' of the fencing around our property and built two pergolas. I'm 77 years old and I decided...
Ruben Roman Painting
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Reviewed in September 2024
We have 10 acres of trees and brush at our country property. I have used Blue Sky Trees for many years. They do excellent work trimming trees and clearing brush and poison oak. Skilled tree climbers. Diligent and hard working. Will chip and cart or chip and spread chips on site. Fair and clear...
Blue Sky Tree Service
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Reviewed in August 2023
Very professional, and on-time. I was glad to see that Nancy had a lot of knowledge about different construction techniques and materials. At least in my experience, not every appraiser will be able to recognize and grade the quality of construction the way she did. So, I have consistently found...
Vallance Appraisals
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Reviewed in July 2023
Brian helped us design and then he built a cabinet around two antique windows that we found in an antique store. He was responsive to our preferences and spent a great deal of time getting the design and stain colors right. The windows are curved, so he curved the wood trim and drawers below to...
Compass Craftsman, Inc.
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Reviewed in October 2022
Overall great experience with the owner. He was very professional and courteous, and arrived on time. Williams knowledge of the trades and experience was great! My husband and I would definitely recommend this company. Great family owed business and was a pleasure working with them.
Neptune Inspections
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Reviewed in August 2022
Excellent and flexible with the customer. They are very good. House being painted for 12-15 years. He did a lot of preparation work and cleaned up after. He did a lot of filling and repairs. He was very happy for the service and price.
JM Painting Co.
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Reviewed in July 2022
So very impressed by the level of professionalism and incredible craftsmanship. Camilo really knows his trade and strives to to do quality work. I had a 35 yr. old flagstone pool surround with failing grout and lifted stones. He immediately knew how to repair it and the result is beautiful;...
C Arenas Masonry Contractor
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Reviewed in June 2022
Art and his crew hit the ground running, The project was yard clean up on 1.5 acres. They went through the yard and did everything asked for and beyond, Art came in on budget. His crew were hard-working guys and extremely polite. They did an excellent job weeding, trimming hedges, and weed...
Art Basaldua Landscaping-Unlicensed Contractor
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Find Antique and jewelry appraisers in Petaluma

Serving Petaluma, CA and surrounding areas

In business since 2002

Free estimates

Credit card accepted

"Daniel was a very professional young man if I need another appraisal in the future I will definitely call him again."

Response time1 day

Response rate90%

Recommended by100%of homeowners

Serving Petaluma, CA and surrounding areas

In business since 1995

Free estimates

Credit card accepted

"Nancy was very professional, accurate and fast! I had many appraisals done in my properties thru the years and she has been the best by far. I highly recommend her!"

Response time7 hrs

Response rate91%

Recommended by100%of homeowners

Serving Petaluma, CA and surrounding areas

In business since 1988

Free estimates

At Appraisers of Choice, we pride ourselves on reliability, great communication, integrity,and quality work. I have over 22 years experience as a Residential FHA Real Estate Appraiser (up to 4 units) in the San Francisco Bay area (counties include San Francisco, Marin, Sonoma and Napa). Pls. contact me, Laura Donohoe, at (415) 235-3424 if you are looking for an appraiser in your area.

Serving Petaluma, CA and surrounding areas

In business since 1985

Free estimates

Offers commercial services

"I had 3 projects - all beyond my comfort level. Ray and team showed up on time and completed all 3 on the save day. Price was excellent and they did a great job cleaning up. We'll definitely be using him for a number of home repair, maintenance and new project work."

Response time3 days

Recommended by100%of homeowners

Serving Petaluma, CA and surrounding areas

Hello I am Andres the owner of Grizzly Grip Tow and Haul LLC. I’m here for your needs with hauling and in the future towing!

Serving Petaluma, CA and surrounding areas

Hi this is ozzie construction \nWe have 18 years of experience \nAs carpenters, \nRemodeling home, deck, windows, doors\nDrywall, plaster, floor, kitchen remodel, \nBathrooms, concrete footings, concrete slab \nDriveway, pavers, \n\nWe have good recommendations \n\nCall 4083686114\nOr call 8318692230\nLic#1091667

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Antiques and Jewelry Appraisals questions, answered by experts

The purpose of the home appraisal determines which party pays for it. You’re generally responsible for the cost if you need to know the current value of your home to refinance your mortgage, though in some instances the lender will pay for it. The buyer pays for the appraisal when they are applying for their mortgage.

An FHA appraisal is valid for 180 days from the effective date of the report. In some cases, you can have the appraisal recertified if you make your request before the original expires so that you still may obtain an FHA loan. If approved, your appraisal update is valid for one year.

Depending on the size of the home, the appraisal itself can take several hours. After the appraiser’s visit is complete, it can take between a few days and a few weeks to get the report back. This timeline is largely dependent on the appraiser’s workload, research requirements, efficiency, and other factors.

Some appraisers hold a Member of the Appraisal Institute designation. This accolade is the highest credential property appraisers can earn. An MAI appraisal is typically used for commercial properties.

While your lender will likely recommend an appraiser, you can also hire a professional home appraiser on your own. Choose someone who is experienced in your type of residential property, and ensure they hold all of the necessary credentials that your state or region requires.

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.

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