Diminished-Value Evidence Workbook

What is inside

Determine what evidence supports a post-repair loss of market value and assemble a transparent, reviewable file before buying an appraisal or pursuing a claim.

• Start with a clear working file
• Screen the claim and ownership
• Reconstruct pre-loss condition
• Collect market evidence honestly
• Build and review the evidence packet
• Work through the examples
• Eligibility and scope screen
• Market-evidence comparison
• Repair-to-evidence map
• Appraisal cost and scope review
• Check the file before using it
• Write down the next step
• Sources and scope

How to use the guide

1. Save a copy and read its instructions before filling in fields.
2. Use your records to enter facts and dates. Label anything that still needs confirmation.
3. Keep your completed copy private. Check the recipient and the included information before sharing.
4. Verify the applicable state rules. The guide does not decide coverage, legal deadlines, or claim value.

Who this is for

• People who need to organize the records and questions addressed in this workbook.
• Readers preparing a factual summary for a qualified adviser or the relevant organization.

Related tools and reading

• Insurance claim tracker
• Expense and damages tracker

Sources

• Washington Office of the Insurance Commissioner

  Official reference supplied with this workbook. Check the current rule and its application to your situation.