Questions, answered

An Actual Cash Value (ACV) appraisal estimates what a structure was worth just before damage occurred: its replacement cost minus depreciation. Land value is not included.

Communities in FEMA flood zones review repairs to damaged buildings. If repair costs reach 50% or more of the structure's value, the home may be considered "substantially damaged" and must meet current floodplain rules. The ACV is the value used in that comparison.

Yes. Many homeowners document their home in advance so that an accurate appraisal can be prepared quickly if damage ever occurs.

The on-site inspection usually takes 1–3 hours depending on the size of the home. Reports are typically delivered within a few business days.

Our appraiser records construction materials, finishes, building systems and flood-related details, and photographs every room and the exterior.

Use the Request an Inspection form to choose a package and up to three preferred dates. We will confirm a time and send a secure payment link.

Someone over 18 should be present to provide access. Let us know about gate codes, pets or parking in the access notes.

Yes. You can request an on-site inspection for any property in your portal at any time.

Photos, documents such as receipts, permits and elevation certificates, and detailed notes about every part of your home.

Yes. Add as many properties as you like under one account; each has its own records and storage.

Yes. The portal works on any modern phone, and you can take photos directly from your camera.

No. Your progress is saved automatically, so you can complete your documentation over several sessions.

Self-inspection packages include your first year of storage. It renews automatically each year unless you turn off auto-renewal in your account.

Access to your records is restricted until you renew, but your data is kept for a retention period so nothing is lost.

We accept all major credit and debit cards through our secure payment provider. Card details are never stored on our website.

Only you and our authorized staff. Files are stored privately and are never publicly listed.

Yes. You can request deletion of your account and data at any time, as described in our Privacy Policy.

Yes. Records are backed up daily to secure, geographically redundant storage.