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>

Get matched with top property appraisers in Albion, ME

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: 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: Can xeriscaping increase your home value?

• <div><p>Xeriscaping can absolutely increase your home value, but the return on investment (ROI) depends on where you live and how prevalent xeriscaping is in your area. In drought-prone climates, xeriscaping can boost your curb appeal and make your home more appealing to buyers due to the reduced maintenance and watering costs. However, in areas where xeriscaping isn&rsquo;t the norm, some buyers may be willing to pay less for a xeriscaped property if they don&rsquo;t like the appearance.</p></div>

Q: Is hiring a real estate agent worth it?

• <div><p>Yes, hiring a real estate agent is worth it. Many homeowners make the mistake of trying to sell their homes by themselves, thinking that they&rsquo;ll save money on the commission, but what they save on the commission, they very often pay for in frustration and concessions on the sale price. Hiring a real estate agent to handle the sale of your home not only makes the process far easier and takes the burden off of you, but most homeowners get more for their homes when going through an agent because of the marketing and salesmanship they bring to the table.</p></div>

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Verified Reviews for Property Appraisal pros in Albion, ME

*The Angi rating for Property Appraisal companies in Albion, ME 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 Albion, ME 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 November 28, 2025

Reviewed in August 2025
Bob and his crew installed a fence on my property. They were great. They did a beautiful job, were professional and kind. We would definitely hire him again.
L&B Services
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Reviewed in March 2025
Professional, efficient, pleasant. Job was completed in a day during the time frame agreed on (needed for insurance purposes). Property was left clean. Billed within quoted amount. Overall, a wonderful experience!
Wallace Home Improvement
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Reviewed in December 2023
I loved the first $20,000 project this company did for us. The two man crew involved us in every step and were very communicative. The office staff was very attentive and personable. so much so that we hired them to replace our roof and chimney. A crew of 11 men that didn't speak english showed...
Fowler's Roofing & Construction
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Reviewed in August 2022
I was a loyal customer for 3 years, even after a rather inexcusable experience. Jonathan was the initial technician to start our first few services. He was extremely professional, thorough, & effective. We only saw him a handful of times after that, unfortunately. All of our pest issues that...
Green Pest Defense
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Reviewed in April 2013
Schneider Property Management handled every aspect of this project with quality work without any issues. This is one example of many projects that they have completed in recent years.
Schneider Property Management LLC
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Reviewed in August 2011
From their reps to their workers, all were excellent . Very responsive to every facet of the job. My house is 120 yrs old and the shingles were not in great shape. They replaced shingles were they had to and tightened up many more. They spent about a week on the prep work more than anticipated...
Innovative Contracting Services Inc
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Reviewed in May 2011
I had antique furniture pieces that I wanted appraised. I had no idea what the value might be; so, I requested guidance and an estimate of the cost of an appraisal via email. Within 1 day of my inquiry I received a phone call from Doug Stinson. He recommended I send pictures of the pieces for...
Carl W Stinson Inc
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Reviewed in October 2010
When our first contract went sour he went the extra mile to try to get it to work, but when it didn't, he helped us find an even better property for our needs. I highly recommend him.
Scott Pressman
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Find Property appraisers in Albion

Lucas Appraisal Services

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Lucas Appraisal Services

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26 years of experience

Lucas Appraisal Services is a small woman owned/operated company with two State of Maine licensed appraisers with 13 years of experience. We cover Kennebec and Androscoggin Counties. Our fee for a single family home is $350.00, 2-4 unit dwelling is $550.00. We also offer appraisal services on condominiums and mobile homes. I am a member of the National Association of Realtors as well as the Kennebec Valley Board of Realtors. I take great pride in offering a reliable, professional service. I would be happy to answer any questions you may have regarding my company and/or services provided.

Property Appraiser questions, answered by experts

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.

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.

Xeriscaping can absolutely increase your home value, but the return on investment (ROI) depends on where you live and how prevalent xeriscaping is in your area. In drought-prone climates, xeriscaping can boost your curb appeal and make your home more appealing to buyers due to the reduced maintenance and watering costs. However, in areas where xeriscaping isn’t the norm, some buyers may be willing to pay less for a xeriscaped property if they don’t like the appearance.

Yes, hiring a real estate agent is worth it. Many homeowners make the mistake of trying to sell their homes by themselves, thinking that they’ll save money on the commission, but what they save on the commission, they very often pay for in frustration and concessions on the sale price. Hiring a real estate agent to handle the sale of your home not only makes the process far easier and takes the burden off of you, but most homeowners get more for their homes when going through an agent because of the marketing and salesmanship they bring to the table.

The Albion, ME 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

Dan Simms
•
Dec 13, 2024Dec 13, 2024
10 Factors That Can Hurt a Home Appraisal
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Dec 12, 2024Dec 12, 2024
FHA Appraisal Guidelines and Requirements
FHA loans are backed by the government and come with specific FHA appraisal guidelines and requirements. Learn what an FHA appraisal entails in this guide.
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Dec 6, 2024Dec 6, 2024
What Is a Land Appraisal and How Does It Work?
If you’re buying or selling a plot of land, you should know what a land appraisal is, how it works, and what factors can influence your land value.
Rachel Hoffman
•
Dec 3, 2024Dec 3, 2024
What Is a Home Appraisal and Why Does It Matter?
A home appraisal determines your property’s value and is necessary for most real estate transactions. Learn more about home appraisals and why they matter.
Rachel Hoffman
•
Dec 2, 2024Dec 2, 2024
4 Types of Real Estate Appraisals
A home appraisal determines the value of your home when buying or selling. Learn more about common types of real estate appraisals.
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Dec 2, 2024Dec 2, 2024
How Long Does an Appraisal Take?
Waiting for an appraisal on a home you’re buying or selling? Learn how long an appraisal takes and factors that can affect your timeline.