Coverage Estimate delivers independent replacement cost evaluations that condominium boards and property managers can hand directly to their insurance carrier — a defensible number for the master policy, not a market-value guess.
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Coverage Estimate is an insurance appraisal and valuation firm focused on one question: what would it actually cost to rebuild your property today? We work for condominium associations, HOA boards, community associations, property managers, and insurance professionals who need a replacement cost figure they can defend.
Because Coverage Estimate is independent of the carrier, the broker, and the sale price of your units, our reports give boards a documented basis for coverage decisions, renewal conversations, and fiduciary records.
About Coverage EstimateWe are not your insurer or broker. Our only job is an accurate number.
Site inspection, construction quality, systems, and common elements.
Local construction costs and code requirements, not last year's index.
Component-level breakdown, methodology, photos, and signed certification.
Most master policies are renewed on last year's number, indexed up by a flat percentage. Construction costs don't move in a flat percentage — they move with labor markets, material pricing, and code changes specific to your building. Over a few renewal cycles, that gap compounds into real exposure.
Driven by comparable sales, land value, and buyer demand — none of which have anything to do with what it costs to rebuild.
Calculated from current labor rates, material pricing, code-mandated upgrades, and the building's actual construction quality.
Move the sliders to see how a policy limit indexed at a fixed rate can drift away from rebuilding costs that rise faster. The rates are assumptions you control, not a forecast — a Coverage Estimate appraisal replaces them with your building's actual numbers.
Illustration only. Compounds both rates from the same starting limit. Actual cost changes vary by location, construction type, and market conditions.
Every engagement is built around one goal: a replacement cost figure your board, your property manager, and your insurance carrier can all stand behind.
A full independent appraisal establishing current replacement value for your master policy, built to survive underwriter scrutiny.
Explore this serviceA focused estimate of reconstruction cost using current local labor and material pricing — the core number behind every appraisal.
Explore this serviceValuation structured specifically to support master policy limits, shared common elements, and association-specific coverage decisions.
Explore this serviceComponent-level cost breakdowns covering structural, mechanical, electrical, plumbing, and roofing systems.
Explore this serviceA direct comparison of your current insured value against verified replacement cost, quantifying your coinsurance exposure.
Explore this serviceOngoing advisory support for boards navigating renewals, disputed claims, or carrier-requested value verification.
Explore this serviceA structured four-stage process designed to move fast without cutting corners on the number that matters. Most engagements are completed in 10–15 business days from site inspection to final report.
We collect building plans, unit mix, prior appraisals, and any existing insurance documentation.
A specialist documents construction quality, common elements, systems, and any prior renovations on-site.
Current local labor and material pricing is applied against every structural and system component.
A documented report is delivered to your board and ready to hand directly to your insurance carrier.
Every evaluation includes a component-level cost breakdown, methodology summary, and supporting documentation — organized the way carriers expect to review it.
Coverage Estimate publishes free calculators so boards and owners can screen for a coverage gap in minutes. They are a starting point, not a substitute for a property-specific appraisal.
Compare your master policy limit with a preliminary reconstruction estimate and insurance-to-value ratio.
Open calculator For Unit OwnersEstimate HO-6 walls-in coverage, loss assessment needs, and an annual premium range for your state.
Open calculator More ToolsSee every Coverage Estimate calculator, including new tools for homeowners and property claims.
Browse all toolsBoard-ready valuations that support fiduciary decision-making.
Replacement cost evaluations across mixed-use and multi-building communities.
Standardized reporting across your entire portfolio, renewal after renewal.
Independent third-party numbers that hold up during placement and renewal.
Clear documentation to bring to ownership and satisfy governing obligations.
Evaluations scaled to large, multi-structure residential properties.
We renewed at the same value for six years. Coverage Estimate's report showed we were nearly a third underinsured — we fixed it before it ever became a claim.
Tell us about your association and we’ll follow up within one business day with next steps and a scope of work.
Licensed appraisal specialists serving associations nationwide
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