Six ways Coverage Estimate helps condominium associations, HOA boards, property managers, and insurance professionals get to a defensible replacement cost, and use it. Each service answers a different question. This page helps you pick the right one.
Every Coverage Estimate engagement is built around a figure your board, your property manager, and your insurance carrier can all rely on. Our insurance appraisal services differ in scope, depth, and what you do with the number.
The complete, independent appraisal of every insured building for a condo or HOA master policy, with site inspection and a signed report.
Explore appraisalsA focused estimate of what it would cost to rebuild today, built on local labor and material pricing. The core number behind every appraisal.
Explore evaluationsValues organized by building and shared structure to match how your master policy is written and what the association insures.
Explore valuationsComponent-level breakdowns of structural, mechanical, electrical, plumbing, and roofing costs, so every figure can be traced.
Explore estimatesA direct comparison of your insured limit against verified replacement cost that quantifies the gap and your coinsurance exposure.
Explore ITV analysisAdvisory support for renewals, carrier-requested value verification, and claims where valuation is in question.
Explore consultingStart with the question you are trying to answer, then match it to one of our insurance appraisal services. Many associations combine two: an appraisal plus an insurance-to-value analysis is the most natural pairing.
| Service | Answers the question | Best for | Key deliverable |
|---|---|---|---|
| Condominium Insurance Appraisals | What would it cost to rebuild everything our master policy insures? | Condo associations and HOA boards on a 3–5 year appraisal cycle | Full signed appraisal report with site inspection |
| Replacement Cost Evaluations | What is the current rebuild figure for this property? | Shared structures, single buildings, interim updates | Documented rebuild figure with methodology and pricing citations |
| Master Policy Insurance Valuations | How should our values be organized for our policy? | Multi-building communities and complex governing documents | Values by building and structure, reconciled to a total |
| Building Reconstruction Cost Estimates | Where does the rebuild cost sit, system by system? | Mid- and high-rise buildings, carrier detail requests | Itemized component-level cost report |
| Insurance-to-Value Analysis | Is our current limit enough? | Boards preparing for renewal; brokers reviewing a book | ITV ratio, dollar gap, and coinsurance exposure |
| Insurance Valuation Consulting | How do we use these numbers well? | Renewals, carrier value reviews, disputed claims | Advisory support and guidance on next steps |
If the table feels like a lot, follow the guide. Find the question that sounds most like what your board is asking and it points to the service built to answer it.
Still unsure? That is normal, and it is exactly what an initial conversation is for. Tell us about your property, your policy, and your timeline through our contact form, and Coverage Estimate will recommend a scope within 1 business day. You can also see how each audience typically uses our work on Who We Serve, or browse common questions on the FAQ.
Terms used here, such as insurance-to-value, coinsurance, and actual cash value, are defined in our insurance valuation glossary.
Whichever service you choose, the report is built to be handed to an underwriter, not filed in a drawer.
Structure, systems, roofing, common elements, demolition, and soft costs.
How the figure was built, in terms your board and carrier can follow.
Labor and material pricing for your market, cited so it can be checked.
Site inspection photo documentation and a signed independent professional certification.
From first call to a carrier-ready report, typically 10–15 business days from site inspection to delivery. The full walkthrough is on How It Works.
We collect building plans, unit mix, prior appraisals, and existing insurance documentation.
A specialist documents construction quality, common elements, systems, and prior renovations on site.
Current local labor and material pricing is applied to every structural and system component.
A documented report is delivered to your board, ready to hand directly to your insurance carrier.
Our free calculators give a preliminary estimate before you commit to a full engagement. They are a starting point, not a substitute for an independent valuation.
