Colorado Insurance Coverage Appraisers

5.0from 80+ client reviews

Colorado insurance coverage appraisers offering certified appraisals of personal property, equipment and machinery, fine art, boats and watercraft, and automobiles and vehicles for insurance scheduling and coverage. AppraiseItNow provides credentialed, USPAP-compliant insurance coverage appraisals across Colorado, including Denver, Colorado Springs, and Aurora.

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DEFENSIBLE, USPAP-COMPLIANT APPRAISAL REPORTS — QUALIFIED FOR INSURANCE CARRIERS, UNDERWRITERS, AND AGENTS ACROSS COLORADO.

  • State Farm
  • Progressive Insurance
  • Chase
  • Allstate
  • GEICO
  • Colorado Courts
  • Nationwide Insurance
  • FirstBank
  • IRS

Credentialed Appraisers Serving Colorado

Between them, our appraisers hold ISA, CAGA, ASA, ABV, and CFA designations, and every report is written to USPAP for insurance carriers, underwriters, and agents across Colorado.

Joe Kattan

Joe Kattan

Owner & CEO

Joe founded AppraiseItNow to make a certified, USPAP-compliant appraisal as simple to order as anything else online. A former Bain & Company strategy consultant, Joe leads the entire team and specializes in strategy, growth, and the firm's tech capabilities.

Anne Hay

Anne Hay

Personal Property Appraiser

ISA Accredited Member with 30 years in the trade, from running estate sales and an auction gallery to appraising luxury apparel, furniture, artwork, antiques, and business assets, primarily for IRS tax filings.

Jason Dolph

Jason Dolph

Machinery & Equipment Appraiser

Third-generation auctioneer and CAGA Certified Appraiser with more than 20 years valuing machinery, equipment, vehicles, business assets, and estates for banks, attorneys, and trustees across the Carolinas.

Ashley Innes

Ashley Innes

Personal Property Appraiser

ISA Accredited Member specializing in Asian art, with a Master's from SOAS and a Postgraduate Diploma in Asian Art. Ashley chairs the ISA's Antiques, Furnishings, and Decorative Arts committee and appraises for charitable donation, insurance, and equitable distribution.

Marnie Erkelens

Marnie Erkelens

Vehicle Appraiser

CAGA Certified Appraiser since 2014, covering vehicles, boats, equipment, fine art, and collectibles. A classic-car restoration background informs her vehicle work, with reports prepared for insurance, divorce, and charitable contributions.

Justin Ramirez

Justin Ramirez

Business Valuation Expert & Appraiser

ASA, ABV, and CFA charterholder. Since 2016 Justin has valued businesses for estate and gift tax, purchase price allocations, fairness opinions, lending, and buy-sell agreements, across manufacturing, services, retail, and pre-revenue biotech.

Raymond Ghelardi

Raymond Ghelardi

Business Valuation Expert & Appraiser

Accredited Senior Appraiser with the American Society of Appraisers. Raymond values capital stock, business enterprises, stock options, and intangible assets.

Aron Blue

Aron Blue

Client Success Manager

Manages each engagement from the first enquiry to the delivered report, and keeps you posted at every step along the way.

  • USPAPWritten to the Uniform Standards of Professional Appraisal Practice
  • Replacement valueThe retail replacement cost carriers and adjusters schedule and settle against
  • International Society of AppraisersAccredited Member
  • Certified Appraisers Guild of AmericaCertified Appraiser
  • American Society of AppraisersAccredited Senior Appraiser
  • AICPAAccredited in Business Valuation
  • CFA InstituteChartered Financial Analyst
  • The Appraisal FoundationAuthorized by Congress as the source of appraisal standards

About Insurance Coverage Appraisals in Colorado

AppraiseItNow provides insurance coverage appraisals across Colorado, helping individuals and businesses establish accurate insurable values for personal property, equipment, fine art, vehicles, and watercraft. Colorado's severe weather patterns, including frequent hail storms along the Front Range, make proper documentation of asset values especially important before a loss occurs. Insurers require USPAP-compliant appraisals to set policy limits, schedule riders, and support claims when disputes arise over repair or replacement costs.

AppraiseItNow serves clients throughout Colorado through both remote and onsite appraisal options, making it easy to get coverage documentation regardless of where your assets are located. Our appraisers in Colorado are equipped to work on your schedule, whether you are in Denver, Colorado Springs, Boulder, or a more rural part of the state.

What Does AppraiseItNow Appraise for Insurance Coverage in Colorado?

AppraiseItNow covers the full range of asset types commonly requiring documented insurable value for Colorado policyholders, including:

  • Personal Property, including jewelry, antiques, furniture, coins, collectibles, and household goods
  • Equipment & Machinery, including medical equipment, restaurant equipment, manufacturing machinery, and technology assets
  • Fine Art, including paintings, prints, sculpture, photography, and mixed media
  • Boats & Watercraft, including sailboats, powerboats, yachts, jet skis, and personal watercraft
  • Automobiles & Vehicles, including cars, trucks, motorcycles, RVs, trailers, and classic vehicles

Who Does AppraiseItNow Serve in Colorado for Insurance Coverage?

AppraiseItNow works with Colorado homeowners, collectors, small business owners, and condominium associations who need accurate, insurer-accepted valuations to protect their assets. Clients across industries from Denver's technology sector to Colorado Springs' defense community rely on our certified appraisers to document replacement cost and actual cash value for scheduled coverage and policy updates.

What Colorado clients say we are known for

Colorado Appraisal Reviews: “These guys were phenomenal” and “for me it was well worth it”

  1. Being the appraiser they come back to“I highly recommend their services” Kim R.Mentioned in 10 reviews
  2. Showing the research and the comparables behind the number“it’s clear they did a significant amount of research” Kim R.Mentioned in 7 reviews
  3. Answering fast, and staying reachable while the work runsMentioned in 5 reviews
  4. Delivering the finished report ahead of the deadlineMentioned in 5 reviews
  5. Picking up on a weekend, and expediting when a tax deadline is closeMentioned in 3 reviews

Across 17 published Colorado appraisal reviews, every one from a client who paid AppraiseItNow for an appraisal, the three things they raise most often are that they would hire us again, how much research is visible in the report, and how quickly we answer.

  • These guys were phenomenal. Joe was very responsive and gave clear instructions on how to submit my information for the appraisal, which he completed in a very quick timeframe. The appraisal itself was extremely detailed and included a thorough explanation of how they arrived at the value. It came with extensive documentation, and it’s clear they did a significant amount of research. They were also very responsive through text and email and always available to answer any questions. I had them appraise my fifth-wheel RV for resale, and I highly recommend their services. I will definitely use them again.
    Kim R. ·

    Recreational Vehicle Appraisal for Insurance Coverage

  • The appraisal was done very well. Since he was a local artist here in Charleston, SC, they took the time to study and review Jim Booth’s art. His work has made him extremely famous, which can make an appraisal challenging, but they did a superb job and clearly explained how they arrived at the appraisal value. I highly recommend Appraise It Now and will use them again for all my artwork.
    Lonnie L. ·

    Artwork Appraisal for Insurance Coverage

  • AppraiseItNow's service was expeditious and professional. The report was thorough with plenty of examples and rationale for the valuations. Good service comes at a cost, but for me it was well worth it. Highly recommended!
    Jason O. ·

    Personal Property Appraisal for Insurance Coverage

  • We recently used AppraiseItNow for one of our clients and couldn’t be happier with the experience. The customer service was excellent, and Joe was quick to respond to all of our questions. He provided everything we needed promptly and made the process smooth from start to finish. Thank you!
    Alice T. ·

    Boat Appraisal for Insurance Coverage

  • I was looking for an appraisal and time was of the essence. They got the job done in only a few days with excellent customer service. Great business to work with.
    Rick H. ·

    Machinery & Equipment Appraisal for Insurance Coverage

  • Joe made the process to have my piece of furniture appraised extremely easy, efficient and quick. My experience was great and I'd recommend AppraiseItNow to anyone looking for an appraisal.
    Michael H. ·

    Furniture Appraisal for Insurance Coverage

Frequently Asked Questions on Colorado Insurance Coverage Appraisers

What valuation standard does Colorado apply to personal property, and why does it matter for insurance coverage?

Colorado values taxable personal property on a "value in use" basis under C.R.S. § 39-1-104(12.3)(a)(I), a standard built for property taxation rather than for insurance. Because that figure is tied to the property's condition on January 1 and adjusted to a statewide level-of-value date, it rarely reflects what coverage should be based on, which is why we prepare independent valuations for scheduling and coverage decisions rather than borrowing assessor numbers.

What does Colorado law treat as personal property?

Everything that is not real property. C.R.S. § 39-1-102(16) defines personal property that broadly, and state materials list machinery, equipment, furnishings, and trade fixtures as examples. For insurance purposes that breadth means a business schedule can span shop equipment, office furnishings, signage, and specialized tools, each needing its own documented value.

Does Colorado license appraisers of personal property?

No. Colorado's appraiser licensing statutes define an appraisal in terms of real estate and expressly exempt appraisers of personal property (chattels) from licensure. Since no state license signals competence for valuing equipment, art, or jewelry in Colorado, insurers and underwriters look instead at the appraiser's qualifications and the methodology documented in the report.

Do smaller Colorado businesses have any official record of their equipment values?

Often not. Owners whose total business personal property is worth $56,000 or less per county do not file the annual declaration schedule with the county assessor, so no government valuation of their equipment exists at all. An independent appraisal is frequently the only documented value record such a business can hand its insurer when setting coverage.