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: What factors do professionals consider in appraisals?

• <div><p>Property condition, comparables, market trends, and location influence appraisal.</p></div>

Q: Do appraisals usually come in high?

• <div><p>Appraisals can come in above or below the list price or offer price for a property, and where it falls depends on many factors. Those include the condition of the property, the location, and the age of the home, but often, the condition of the market is the biggest determining factor. Where demand is high for properties, buyers compete with each other for homes, which tends to drive up offer prices above where appraisals come in. Where demand is low, you&rsquo;ll often see the opposite happening.</p></div>

Q: What factors affect audit costs?

• <div><p>Costs depend on the property size, audit complexity, and whether additional testing (e.g., blower door) is included.</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 Property Appraisal pros in Kirksville, MO

*The Angi rating for Property Appraisal companies in Kirksville, MO 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 Kirksville, MO 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 December 09, 2025

Reviewed in October 2024
Iâ ve hired Matt several times this year to complete projects on my property. Everything from rock delivery to grading and waste material disposal. He did a fantastic job on every project and completed them quickly. He is upfront with pricing and will show up and do the work on time. Heâ s an...
Krupinski & Sons LLC
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Reviewed in June 2022
Ozark Shield does a good job and accommodates the particular needs of my property.
Ozark Shield, Inc.
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Reviewed in April 2022
From the moment I talked to Brian on a weekend call, to the time he and Rusty came to the house giving me the information, they were a true team. They gave me the the comfort I needed to get the right water cleaning system for my home. Yes I am a single women with my 90 year old mother and yes...
Trionics Superior Water
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Reviewed in September 2021
Fair appraisal and quote for the job. Prompt and convenient scheduling. Professional and excellent outcome!
BNB Sealcoating
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Reviewed in July 2019
It was horrible. I had a plumbing leak at my property and they said they would come out to fix it several different times and each time I talk to them they acted like it with the first time we talked. I work without water for a week waiting on them. The last day they stop taking my calls, and...
American Plumbing Solutions
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Reviewed in April 2017
The work Craig performed was done very well , the trees serviced where very large with low hanging and dead limbs , some over home and buildings. Very knowledgeable and professional , no damage to property plus no ruts in yard , the trees now look formed and healthy..
Craig's Tree Service
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Reviewed in September 2011
Very well. No damage to the adjacent fence or other property.
Bee Tree Care
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Sterling Bank

Sterling Bank

Ed Sanning Real Estate

Ed Sanning Real Estate

James H. Bushart, Public Adjuster

James H. Bushart, Public Adjuster

Missouri Property Appraisal Inc

Missouri Property Appraisal Inc

Missouri Property Appraisal Inc

Missouri Property Appraisal Inc

Missouri Property Appraisal Inc

Missouri Property Appraisal Inc

American Appraisal Management Services, Inc

American Appraisal Management Services, Inc

THE SPARKS CO

THE SPARKS CO

T L Consultants

T L Consultants

The Kirksville, MO homeowners’ guide to property appraisals

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How Long Does an Appraisal Take?

How to Prepare for a Home Appraisal: 6 Essential Tips

How Do Appraisers Determine the Value of a Home?

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