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 do appraisers adjust for a finished basement?

• <div><p>While a finished basement adds value to your home, it is assigned a different value than space on the main floors. An appraiser will assess the square footage of a finished basement at about 50% to 60% of the value of the square footage for the rest of your home. Appraisal value for a finished basement depends on your location&rsquo;s real estate market and the specifics of the basement and how it was finished. </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 professionals appraise unique or non-traditional properties?

• <div><p>Yes, experienced appraisers handle a variety of property types with tailored methods.</p></div>

Q: Should you buy a house that has been underpinned?

• <div><p>As long as the home inspection reveals no problems with the property&rsquo;s structure, it shouldn&rsquo;t be an issue buying an underpinned home. In fact, a properly underpinned property can be more stable than houses that have never had structural issues. However, you could face a higher insurance premium if the property has a history of structural problems. You should always request a structural engineer&rsquo;s report before making a final decision.</p></div>

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Verified Reviews for Real Estate Service pros in Cedar Hill, NM

*The Angi rating for Real Estate Service companies in Cedar Hill, NM is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Real Estate Service needs.

*The HomeAdvisor rating for Real Estate Service companies in Cedar Hill, NM is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Real Estate Service needs.

Last update on June 13, 2026

Reviewed in June 2026
Gavin, Jayson, and their cree were great! Super polite and attentive. I don't have super large property, but there was a lot that needed to be done, and they got it all done in 2 days. I've never seen my property look this clean. Will definitely hire them again for more landscaping projects!
Desert Bros Junk Removal
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Reviewed in August 2025
I will be hiring these guys again. They are very professional and quick. They do great work and are honest with pricing. I highly recommend L.A. Handyman!
L.A. Handyman
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Reviewed in October 2024
The installer was very professional and had really good attention to detail. I purchased a specialty carpet with a pattern on top of it and it looks perfect throughout my home.
Prime Services
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Reviewed in July 2022
Very Professional and so very nice. Tony had his guy's carry a big package upstairs for us and we didn't even have to ask. They went above and beyond their duty. We well Definitely hire Tony again!!
Tony B Services
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Reviewed in July 2021
Courteous, professional, and very friendly. A lot of attention to detail, went above and beyond. I wanted to freshen up my cabinets which are at least 50 years old and had multiple coats of paint, and now they look brand new! Beautiful work!
Mitchell's Painting
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Reviewed in May 2021
Tony and crew did a great job cleaning our property. Very hard workers. I highly recommend them.
Pro-Mod Landscape Solutions
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Reviewed in July 2018
Hiring for Mother but live out of State. Her yard had become knee high. John responded to our needs immediately and then showed me the results real time from his phone. We are very pleased! So much so that he was hired for bi monthly maintenance.
Aloha Handyman
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Reviewed in January 2014
I was asked to go see Credit Dr. by my mortgage lender prior to her running my credit for pre-qualifying since I wasn't sure about my credit standing. I was able to make an appointment after hours do to my work schedule. They worked me in that same evening. All of my questions and concerns...
Scoreology
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Reviewed in December 2012
They were real honest and did a good job. They were up front and said they could not clean my couch again. I have no complaints with the service.
SPOTLESS SOLUTIONS
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Find Real estate agents in Cedar Hill

Showcase Regional Housing LLC

5.0(

)

Serving Cedar Hill, NM 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

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Coronado Appraisal Services

New to Angi

Serving Cedar Hill, NM and surrounding areas

In business since 2008

Free estimates

Gilbert Garcia has been serving the greater Albuquerque, NM area for over 5 years. We offer prompt and professional service and high quality workmanship to our clients. We have many happy references available. \n\nCall us today to see why we come so highly recommended!\n

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Real Estate Agents questions, answered by experts

While a finished basement adds value to your home, it is assigned a different value than space on the main floors. An appraiser will assess the square footage of a finished basement at about 50% to 60% of the value of the square footage for the rest of your home. Appraisal value for a finished basement depends on your location’s real estate market and the specifics of the basement and how it was finished.

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.

Yes, experienced appraisers handle a variety of property types with tailored methods.

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.

As long as the home inspection reveals no problems with the property’s structure, it shouldn’t be an issue buying an underpinned home. In fact, a properly underpinned property can be more stable than houses that have never had structural issues. However, you could face a higher insurance premium if the property has a history of structural problems. You should always request a structural engineer’s report before making a final decision.

The Cedar Hill, NM homeowners’ guide to real estate services

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

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