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>

Can I be present during the home appraisal?

• <div><p>You can be present during a home appraisal, but it’s best to stay out of the appraiser’s way. Make yourself available, but don’t engage or interrupt, and don’t discuss value or your target sales price. If possible, have your agent present in the house instead of being present yourself.</p></div>

Best property appraisers near Spencer, IN

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 much can I borrow for a home addition?

• <div><p>While there&rsquo;s technically no limit to the dollar amount you can borrow for a home addition, the standard limit is around 80% of the value the addition is expected to add to your home. That means you could feasibly borrow up to $80,000 if an appraiser determines that the addition or bump out will add $100,000 in value to your property. You might also be limited by your debt-to-income ratio or credit score.</p></div>

Q: How do appraisals benefit property buyers and sellers?

• <div><p>They provide objective, third-party valuation, guiding fair sales or purchase prices.</p></div>

Q: Can I be present during the home appraisal?

• <div><p>You can be present during a home appraisal, but it&rsquo;s best to stay out of the appraiser&rsquo;s way. Make yourself available, but don&rsquo;t engage or interrupt, and don&rsquo;t discuss value or your target sales price. If possible, have your agent present in the house instead of being present yourself.</p></div>

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Verified Reviews for Property Appraisal pros in Spencer, IN

*The Angi rating for Property Appraisal companies in Spencer, IN is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Property Appraisal needs.

*The HomeAdvisor rating for Property Appraisal companies in Spencer, IN is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Property Appraisal needs.

Last update on September 02, 2025

Reviewed in September 2025
Beautiful high quality and very sturdy deck! The workers are very professional and take pride in their work, making sure not to cut any corners along the way. They are very respectful of your property, treating it like their own, and leaving no mess behind. Competitive pricing. Would 100%...
Arise Construction LLC
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Reviewed in May 2024
great, they cleared a couple dozen trees and bush hogged after and cleaned up the property just how i wanted it.
Mitchell's Excavating LLC
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Reviewed in April 2024
The build a Pergola, artificial grass, landscape redesigning for my Airbnb property. Iâ m very pleased with the results
Prime Design and Build
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Reviewed in February 2024
Miller’s Earthwork did an excellent job clearing and grading 10+ acres on our family property in Spencer Indiana. We are looking forward to working with him on a project this summer in Brownsburg. Highly recommend Miller’s Earthwork!
Millers Earth Work LLC
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Reviewed in September 2023
Definitely the best professional lawn scape business I have ever had . The men were dressed professionally when coming to check on workers , patient , kind and very creative and experienced with lawns and making your property stick out. Prime gives you more than I ever expected for such a...
PRIME LLC
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Reviewed in January 2023
The crew showed up first thing in the morning. Took them 2-3 hours to remove the old roof and repair several pieces of roof decking. New metal roofing was installed and it looks great. They had to come back in the morning for a few hours to finish. All the guys were very professional and did a...
Crest Mark, Inc
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Reviewed in September 2022
Ron was a great realtor and was able to sell my home / property quickly and for top dollar. I live 2 hours away and Ron was able to get contractors in and out in record time and get the home ready for showing. His partner Connie was also a huge help with all the paperwork and staging the...
Ron Plecher
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Reviewed in August 2021
We have a one of a kind historical barn, the only one of its type left in all of the U.S. I have interviewed a large number of workers over the past 3.5 years to see if I could approve of their proposed efforts in restoring this great piece of History. When I spoke with Bob Wood, I was pleased...
Bob Wood Construction
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Reviewed in April 2021
My brother and I own a duplex rental property across the country and worked with Mr. Conelly that completed everything for us on this property: a kitchen remodel, bathroom remodel, roof repairs that prevented a mold issue, re-did the driveway and built a retaining wall next it to prevent erosion...
Connelly Contractors, LLC
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Reviewed in November 2020
Showed up on time. Finished on time. Left work area very clean. Respected my yard and property. Will hire them again for future work. Saw immediate improvement
Indiana Crawl Space Repair
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Top-Rated Property appraisers in Spencer - Updated Nov 2026

Akrivis Real Estate Valuations

4.4(

)

Appraisal - Real Estate

Serving Spencer, IN and surrounding areas

Approved (Corporate)

In business since 2018

Credit card accepted

Offers commercial services

"This company did a great job of communicating with me. I received the appraisal quickly after the work was completed."

Response time5 hrs

Response rate89%

948 neighbors recently requested a quote

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Showcase Regional Housing LLC

5.0(

)

Appraisal - Real Estate

Serving Spencer, IN and surrounding areas

In business since 2009

Free estimates

Credit card accepted

"The process started out strenuous but ended up being a breeze once I hired Showcase Regional Housing to do the all the tedious work."

Recommended by100%of homeowners

Appraisal - Real Estate

Serving Spencer, IN and surrounding areas

In business since 2008

Emergency services offered

Credit card accepted

"Great. It was performed with care of the property and fast."

Recommended by81%of homeowners

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Us Appraisal Group, Inc.

0.0(

)

Appraisal - Real Estate

Serving Spencer, IN and surrounding areas

In business since 2003

Free estimates

Warranties offered

The best source for a residential home appraisal. First clients receive 20% off when ordering same day. You can Count on US to be professional, quick, and accurate.

Recommended by100%of homeowners

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Ross Real Estate Valuation Services

New to Angi

Appraisal - Real Estate

Serving Spencer, IN and surrounding areas

In business since 2003

Free estimates

Offers commercial services

Ross Real Estate Valuation Services LLC in business since 2003 with over 20 years of experience. Serving Martinsville and the surrounding area. I work with integrity to make sure that the job is not complete until the client is satisfied. From residential to commercial properties I have the skills to handle all of your needs. Call today for your free estimate.

Response time2 days

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Foley Appraisal, LLC

New to Angi

Appraisal - Real Estate

Serving Spencer, IN and surrounding areas

In business since 2018

Free estimates

Foley Appraisals, LLC, is a highly accomplished real estate appraisal company who can help with any of your appraisal needs. We have served a diverse clientele, including national and local lending institutions, investments, law firms, and private clients. Let our local presence, combined with exceptional expertise and trustworthy referrals nationwide prove to you the difference a pro makes!

Response time1 day

Response rate100%

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Property Appraiser FAQs, answered by experts

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.

While there’s technically no limit to the dollar amount you can borrow for a home addition, the standard limit is around 80% of the value the addition is expected to add to your home. That means you could feasibly borrow up to $80,000 if an appraiser determines that the addition or bump out will add $100,000 in value to your property. You might also be limited by your debt-to-income ratio or credit score.

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.

They provide objective, third-party valuation, guiding fair sales or purchase prices.

You can be present during a home appraisal, but it’s best to stay out of the appraiser’s way. Make yourself available, but don’t engage or interrupt, and don’t discuss value or your target sales price. If possible, have your agent present in the house instead of being present yourself.

The Spencer, IN homeowners’ guide to property appraisals

From average costs to expert advice, get all the answers you need to get your job done.

See all articles

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