• Home
  • About
    • Our Mission
    • Team UP
    • Board
    • Supporters
    • Recognition
    • Work with UP
    • Volunteer with UP
    • Contact UP
  • Media
    • UPdates
      • UP in the News
      • Tip of the Month
      • Bach Talk
      • Guest Blogs
      • Catch UP
      • Newsletters
    • Open Surveys and Results
    • Studies & Reports
    • Share your story with the media
  • Recovery Help
    • Roadmap to Recovery®
    • Disaster Recovery Help
    • Claim Guidance Library
    • State by State Help
    • Sample Letters and Claim Documents
    • Professional Help Directory
  • Get Prepared
    • Roadmap to Preparedness
    • Buying Tips Library
    • Preparedness Handouts
    • WRAP Resource Center – Wildfire Mitigation Help
    • Dropped by your home Insurer?
    • Get an insurance check up
  • Advocacy
    • Advocacy and Action
    • Amicus Library
    • Legislation
    • Regulation
    • UP at the NAIC
  • Ask An Expert
    • Browse Answers
    • Ask a Question
    • Meet our Experts
  • Events
    • Program Events
    • UP to Good 2026
  • Support UP
United Policyholders logo
  • Log In
  • Ask An Expert
  • Forums
  • Home
  • About
    • Our Mission
    • Team UP
    • Board
    • Supporters
    • Recognition
    • Work with UP
    • Volunteer with UP
    • Contact UP
  • Media
    • UPdates
      • UP in the News
      • Tip of the Month
      • Bach Talk
      • Guest Blogs
      • Catch UP
      • Newsletters
    • Open Surveys and Results
    • Studies & Reports
    • Share your story with the media
  • Recovery Help
    • Roadmap to Recovery®
    • Disaster Recovery Help
    • Claim Guidance Library
    • State by State Help
    • Sample Letters and Claim Documents
    • Professional Help Directory
  • Get Prepared
    • Roadmap to Preparedness
    • Buying Tips Library
    • Preparedness Handouts
    • WRAP Resource Center – Wildfire Mitigation Help
    • Dropped by your home Insurer?
    • Get an insurance check up
  • Advocacy
    • Advocacy and Action
    • Amicus Library
    • Legislation
    • Regulation
    • UP at the NAIC
  • Ask An Expert
    • Browse Answers
    • Ask a Question
    • Meet our Experts
  • Events
    • Program Events
    • UP to Good 2026
  • Support UP
United Policyholders logo

Ask An Expert

  • Community
  • Ask An Expert
  • Meet our Experts
  • Forums
  • Account
  • Replacement Cost Value / Actual Cash Value
What do you want to know?
Filter:All
Low appraisal after the Camp Fire

Our insurance independent appraiser has submitted a very low appraisal of our home using very low comps and deducting the value of the land before the Camp Fire because that is what was on tax records. What is my best option to approach them? They…

Sandra L. Moriarty answered 5 years ago • Replacement Cost Value / Actual Cash Value • California
974 views1 answers
Use of pricing from ebay or similar sites for personal property inventory

We are currently filling out our personal property inventory to submit to the insurance company. We would like to include pricing on many of our older items by using pricing from similar condition, used items being sold on ebay or other similar sites. This would…

Chris Rockers answered 4 years ago • Replacement Cost Value / Actual Cash Value • Colorado
1711 views1 answers
« Previous12

SEARCH TOPICS

Frequently Used Publications

  • Top Ten Insurance Claim Tips
  • FAQs about Property Damage (ALL States)
  • Homeowners Insurance Claim Rights in California
  • Simplified Guide to Your Policy
  • Rebuilding 101
  • Debris Removal
  • Scoop on Scope of Loss
  • Home Inventory and Contents Claim Tips
  • Resolving Claim Disputes
  • Underinsurance 101
  • Directory of Professional Help
  • Insurance Claim Tips For Partial Loss Fires
  • Tax Information

What people say about UP

“This group provided valuable information and support for those who lost their homes in the Fourmile Fire two years ago and they have worked in many other communities that have suffered property damaging disasters. I recommend them without reservation.”

United Way

“We cannot thank you enough for all your support, education and assistance through our recovery from the 2017 Tubbs Fire. Without all your input I have no idea how we could have recovered. We’re not quite there yet, but getting closer! Many, many thanks.”

Christopher and Urmila - 2017 Tubbs Fire Victims

“The disaster recovery resources you provided helped many individuals and families.”

County of Lake, CA

“Certificate of Appreciation in recognition of your outstanding contributions to the Third Supervisorial District and the County of San Diego.”

County of San Diego

“(United Policyholders) provided helpful insights into the state of the current insurance market for earthquake, fire and flood coverage, and the critical rile insurance plays in the ability of our communities recover from such catastrophic events. You brought an important and unique perspective to the hearing, that of homeowners themselves.”

California State Senate

“Whenever I felt confused about any topic I first looked it up in the yellow book. Then I could go deeper based on what I read. Or I knew when to call it good.”

Wildfire Survivor 2014
Ask a Question

Login to ask a question or register here.

Every Day We Serve People

Help us continue to be a trusted resource and a strong voice for people who simply want fair treatment from insurance companies and the financial security they've paid for.

Donate Now
  • Home
  • About
  • Media
  • Recovery Help
  • Get Prepared
  • Advocacy
  • Ask An Expert
  • Events
  • Support UP
United Policyholders

© 2026 United Policyholders The material on this site is for informational purposes only and is not a substitute for legal advice.

  • Privacy Policy
  • Terms of Use
  • Contact UP
  • Log In
Powered by WordPress & Inti Foundation