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: 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: 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: Do basement bedrooms count on an appraisal?

• <div><p>Basement bedrooms can count toward your room count and the square footage of your home on an appraisal if they&rsquo;re fully legal, which means they have proper ventilation and points of egress, as defined by your local building code. Simply partitioning off a space for a bedroom in an otherwise unfinished basement that isn&rsquo;t a legal living space won&rsquo;t affect your appraisal value.</p></div>

Q: What if I can’t find any records of when my house was built?

• <div><p>If you can&rsquo;t find any records online, you&rsquo;ll need to contact your county clerk&rsquo;s office to do further research. They should have property records on file, or can at least point you in the right direction of who to contact. You can also speak with your neighbors about when their houses were built because they were likely built around the same time. </p></div>

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Verified Reviews for Antique And Jewelry Appraisal pros in Miami, FL

*The Angi rating for Antique And Jewelry Appraisal companies in Miami, FL 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 Miami, FL 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 January 24, 2026

Reviewed in January 2026
HJ Landscaping Corp responded immediately, assessed the property, and got to work fast. The job was rough—overgrown and full of debris—but they cleaned it up quickly and efficiently. Professional, reliable, and very reasonably priced. Excellent workmanship from start to finish. Highly recommend.
HJ LANDSCAPING CORP
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Reviewed in May 2025
Luis did a thorough job capturing both rental and market value of the property appraised. Was helpful in making a decision on the property in question.
Penser Appraisals
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Reviewed in May 2024
Excellent job, they painted my fence and it looked like new. very good person, reliable and kind. Good prices.
Bufo Group LLC
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Reviewed in October 2023
Great service. Within 24 hours we met and he did the walk-through and within another 24 hours he had the appraisal completed.
A.C. Klein Appraisal Associates
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Reviewed in September 2023
We have used Gilson for many years for a variety of projects, from carpentry, to painting, to installation of appliances, electrical, work,rock and stone cleaning , and drywall and plastering. He has always been professional and outstanding. And we will continue to use them.
Gilson Interior
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Reviewed in April 2023
The experience of buying kitchen cabinets and quartz counters with Sam was exceptional. His extensive knowledge and selection were incredibly helpful. The installation process went smoothly due to the Pinto Remodeling team, who are both professional and personable. I highly recommend this...
Pinto Remodeling, Inc.
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Reviewed in July 2022
Very professional and reliable work, price was very good and materials used were top quality ?
Decocenter Florida
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Reviewed in January 2022
I have used this company three times now. They've taken great care of my stuff, including many antiques, books, and hefty card catalogs! I won't use any other company to move- the movers are friendly and always hustle, the price is very reasonable, and Gilbert always calls me back promptly.
Moving APT
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Find Antique and jewelry appraisers in Miami

Richard Stedman Estate Services, LLC

4.8(

)

Appraisal - General

Serving Miami, FL and surrounding areas

Approved

In business since 1957

Free estimates

Small jobs welcome

"Can provide references to service provider who does remote appraisals by photograph"

Response time5 hrs

Response rate90%

21 neighbors recently requested a quote

Serving Miami, FL and surrounding areas

In business since 2023

Free estimates

Offers commercial services

Top Landscape is committed to excellence in every aspect of our business. We uphold a standard of integrity bound by fairness, honesty, and personal responsibility. Our distinction is the quality of service we bring to our customers. Accurate knowledge of our trade combined with ability is what makes us true professionals. Above all, we are watchful of our customers' interests, and make their concerns the basis of our business.\n

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Adrian Gonzalez & Associates, P.A.

New to Angi

Appraisal - General

Serving Miami, FL and surrounding areas

In business since 1999

Free estimates

G. Adrian Gonzalez, Jr. is a State-Certified General Appraiser and is a Senior Member (ASA-Real Property) of the American Society of Appraisers. With over 35 years of experience work we bring each customer the best possible service and quality available. We look forward to working with you on your next project. We welcome your questions and thank you for your interest.

Response time5 hrs

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Antiques and Jewelry Appraisals questions, answered by experts

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.

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.

Basement bedrooms can count toward your room count and the square footage of your home on an appraisal if they’re fully legal, which means they have proper ventilation and points of egress, as defined by your local building code. Simply partitioning off a space for a bedroom in an otherwise unfinished basement that isn’t a legal living space won’t affect your appraisal value.

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.

If you can’t find any records online, you’ll need to contact your county clerk’s office to do further research. They should have property records on file, or can at least point you in the right direction of who to contact. You can also speak with your neighbors about when their houses were built because they were likely built around the same time.

The Miami, FL homeowners’ guide to antique and jewelry appraisals

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