Michigan Insurance Coverage Appraisers

5.0from 80+ client reviews

Michigan insurance coverage appraisers preparing USPAP-compliant 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 Michigan, including Detroit, Grand Rapids, and Lansing.

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

  • State Farm
  • Progressive Insurance
  • Chase
  • Allstate
  • GEICO
  • Michigan Courts
  • Nationwide Insurance
  • Comerica Bank
  • IRS

Credentialed Appraisers Serving Michigan

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 Michigan.

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 Michigan

AppraiseItNow provides insurance coverage appraisals for individuals and businesses throughout Michigan, establishing accurate insurable values to ensure policy limits reflect true replacement or actual cash value. Michigan's mandatory statutory appraisal process under MCL 500.2833(1)(m) governs fire insurance disputes, making documented, USPAP-compliant appraisals especially important when disagreements arise over the amount of loss. No IRS filing threshold applies to insurance coverage appraisals, but insurers require defensible, photo-documented reports to accept scheduled riders and coverage updates.

Both remote and onsite appraisal options are available, so clients across the state can access professional valuations without delay. Our appraisers in Michigan serve Detroit, Grand Rapids, Ann Arbor, Lansing, Kalamazoo, and communities statewide.

What Does AppraiseItNow Appraise for Insurance Coverage in Michigan?

AppraiseItNow covers the full range of assets commonly requiring documented insurable value for Michigan 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 Michigan for Insurance Coverage?

AppraiseItNow serves Michigan homeowners, collectors, manufacturers, marine enthusiasts, and businesses seeking accurate insurable values for scheduled riders, new policies, or coverage updates after acquisitions. From automotive industry professionals in the Detroit metro to watercraft owners along the Great Lakes shoreline, our appraisers support clients across every region of the state.

What Michigan clients say we are known for

Michigan 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 Michigan 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 Michigan Insurance Coverage Appraisers

How does Michigan's appraisal clause work when I disagree with my insurer?

Once either side makes a written demand under MCL 500.2833(1)(m), appraisal becomes mandatory for both parties: each appoints a competent, independent appraiser within 20 days, and the two appraisers select an impartial umpire, with a court choosing one if they cannot agree. The panel's award sets the amount of loss, so the quality of your appointed appraiser's documentation drives the outcome.

What questions does the appraisal panel decide in Michigan, and what stays with the court?

Courts decide what the policy covers; the appraisal panel decides the amount of loss and applies the court's coverage definitions to specific items of personal property. That split means a strong item-level valuation matters even when coverage is contested, because the panel's numbers stand once coverage is resolved.

Does Michigan license appraisers of personal property?

No. Michigan's appraisal licensing under Article 26 of Public Act 299 of 1980 covers real estate only, and the requirements in MCL 339.2609 are expressly tied to real property. For jewelry, art, equipment, and household contents, competence and recognized methodology, not a state license, are what your insurer and any umpire will evaluate.

Can Michigan tax filings document my property's insurable value?

Not usefully. Business personal property is reported on Form L-4175 by February 20 and valued through State Tax Commission depreciation tables applied to historical cost, and small taxpayers under $180,000 in true cash value may file Form 5076 and report nothing at all. Insurance scheduling needs current market or replacement values, which those systems never produce.