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: 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: Do estate shutters increase home value?

• <div><p>Estate shutters are considered a high-end window treatment that increases home value. As previously mentioned, this project comes with an ROI of up to 75%. Shutters can also improve your home&rsquo;s energy efficiency, especially if you choose PVC or faux wood shutters, which will lead to long-term savings on your energy bills.</p></div>

Q: Do foundation cracks affect your appraisal?

• <div><p>Foundation cracks won&rsquo;t always affect your appraised value. All foundations crack due to normal settlement, so hairline cracks that aren&rsquo;t leaking or uneven from side to side are unlikely to have an impact on your appraisal. Structural cracks, on the other hand, often lead to a reduced appraised value, especially if the underlying problem will cause the issue to worsen over time.</p></div>

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Verified Reviews for Antique And Jewelry Appraisal pros in Hunter, NY

*The Angi rating for Antique And Jewelry Appraisal companies in Hunter, NY 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 Hunter, NY 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 November 11, 2025

Reviewed in November 2025
I would highly recommend Snyder’s. I went and purchased a new stove and they delivered and installed the same day. The saleswoman Leta was exceptional. Answered all my questions and concerns. The installer was efficient and courteous as well. Will definitely go back for any appliance I need in...
H L SNYDER & SON CORP
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Reviewed in March 2025
Super Shine is amazing. They clean both my business and personal home every week. Kind, trustworthy and do a fantastic job.
Super Shine
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Reviewed in October 2024
Tyler cleaned my wood stove and chimney. He was punctual, knowledgeable, thorough, clean, and friendly.
M.M.T Fireplace & Masonry Repair
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Reviewed in June 2024
The crew cleaned my roof, porch and walkways. The house sparkled after they left. They took considerable care in moving all my flower pots and porch furniture. I couldnâ t be more satisfied.
Cleanfellas, Inc
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Reviewed in January 2024
Could not have been happier with the work and the Gil. Would recommend them to anyone since it was well priced and great work quality.
Salazar and Sons INC
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Reviewed in November 2023
Ron and his team are a dream to work with. They are thorough and brilliant painters - meticulous, filled and sanded in all the holes, even spotted places that our builder could have done better, and caulked and repaired as necessary. They are also clear, kind, and professional. We will work...
Ronald D. Jones Painting
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Reviewed in November 2023
Roy and his men Alan and Adam did the best job I have ever had from any contractor. The house and deck had deteriorated badly, and needed a lot of remedial work including deck board and rail replacement, reconstruction, heavy sanding, stripping and re-staining/repainting. They did an awesome...
Roy Johnson
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Reviewed in November 2023
I hired Jiminez Landscaping and Construction to do a few things on the exterior of my home including deck fascia and complete install of stone work on my chimney. Freddy the owner showed up when he said he would, was professional and delivered a quote within 24 hours. The work began on time as...
Jimenez Landscaping and Construction
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Reviewed in June 2023
Title: Exceptional Contractor - Highly Recommend! Review: I recently had the pleasure of working with an incredible contractor on a home renovation project, and I cannot praise their work enough. From start to finish, their professionalism, expertise, and attention to detail exceeded my...
Tait Enterprises
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Reviewed in September 2022
I live in Manhattan and was looking to purchase a Hudson Valley property. Craig was great to work with! He was very knowledgeable about the local real estate market there, and showed me multiple properties in and around the area. His diligent work ethic makes searching for a property an exciting...
The Truss Group
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Antiques and Jewelry Appraisals questions, answered by experts

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.

Estate shutters are considered a high-end window treatment that increases home value. As previously mentioned, this project comes with an ROI of up to 75%. Shutters can also improve your home’s energy efficiency, especially if you choose PVC or faux wood shutters, which will lead to long-term savings on your energy bills.

Foundation cracks won’t always affect your appraised value. All foundations crack due to normal settlement, so hairline cracks that aren’t leaking or uneven from side to side are unlikely to have an impact on your appraisal. Structural cracks, on the other hand, often lead to a reduced appraised value, especially if the underlying problem will cause the issue to worsen over time.

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.

The Hunter, NY homeowners’ guide to antique and jewelry appraisals

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