Replacement Cost Appraisal

USPAP-compliant replacement cost appraisals of personal property, artwork, machinery & equipment, cars, boats and more - accepted by major insurance carriers.

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Replacement Cost Appraisal
USPAP-CompliantOnsite or OnlineIRS Qualified

DEFENSIBLE, USPAP-COMPLIANT APPRAISAL REPORTS — QUALIFIED FOR THE IRS, INSURANCE AGENCIES, LENDERS, AND MORE.

  • IRS
  • Chase
  • State Farm
  • Bank of America
  • Habitat for Humanity
  • United States Courts
  • Wells Fargo
  • Allstate
  • Goodwill Industries

Credentials behind every AppraiseItNow report

Between them, our appraisers hold ISA, CAGA, ASA, ABV, and CFA designations, and every report is written to USPAP for the IRS, insurance agencies, lenders, and more.

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.

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.

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.

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
  • 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 AppraiseItNow's Replacement Cost Appraisal Services

We provide independent, USPAP-compliant Replacement Cost appraisals to help insurers, brokers, risk advisors, and property owners determine appropriate coverage levels.

Our reports estimate what it would cost, at today’s market prices, to replace an asset with another of like kind, quality, and utility. Many assignments can be completed efficiently using detailed documentation, photographs, and market research, while onsite inspections are recommended when risk or complexity warrants.

Personal Property & Collections

We appraise individual items and collections of tangible personal property commonly scheduled on insurance policies or reviewed for coverage adequacy, including:

  • Fine art, decorative art, and collectibles
  • Jewelry, watches, and gemstones
  • Antiques and period furnishings
  • Household contents and personal effects
  • Memorabilia and specialty collections

Replacement Cost analysis focuses on the appropriate retail or dealer market in which a comparable item would be obtained.

Machinery & Equipment

Our credentialed appraisers provide Replacement Cost opinions for a wide range of commercial and industrial assets, supporting underwriting, risk review, and claim documentation.

Common categories include:

  • Industrial and manufacturing equipment
  • Construction and heavy equipment
  • Medical and laboratory equipment
  • Restaurant, hospitality, and foodservice equipment
  • Warehouse, material handling, and logistics assets

Vehicles, Boats & Transportation Assets

We value many transportation-related assets treated as personal property for insurance purposes, including:

  • Passenger vehicles, trucks, and specialty vehicles
  • Recreational vehicles (RVs) and trailers
  • Boats, watercraft, and marine equipment
  • Fleet and multi-unit portfolios

Values are developed from condition, specifications, configuration, and current market availability. Where marine surveys or physical inspections are required by carriers, those services must be performed onsite.

Business Assets & Inventory

We provide Replacement Cost appraisals for business-owned tangible property used in operations or scheduled under commercial policies, including:

  • Inventory and stock
  • Furniture, fixtures, and equipment (FF&E)
  • Office, retail, and trade equipment
  • Multi-location or portfolio assets

These reports assist with policy placement, limit evaluation, coinsurance analysis, and claim support.

Assets That May Require Onsite Review

While many assignments can be performed efficiently using documentation, certain situations may require physical inspection or fall outside remote scope. Examples include assets where authenticity must be verified firsthand, property subject to carrier mandates, or items requiring specialized testing.

If an onsite visit is necessary, we will advise you before engagement.

Built for Insurance Reliance

Our Replacement Cost appraisals are prepared by qualified professionals, developed using recognized valuation methodologies, and structured for use by insurers, brokers, and risk professionals.

Reports are commonly used for:

  • Policy underwriting
  • Coverage placement
  • Limit reviews
  • Scheduled property documentation
  • Claim substantiation

If you are unsure whether your assets can be evaluated remotely or whether Replacement Cost is the correct definition for your needs, our team can quickly confirm feasibility.

Replacement value appraisals for commercial and personal clients.

Servicing Commercial & Industrial Businesses

AppraiseItNow serves major businesses and commercial clients, including:

  • Insurance carriers
  • Insurance agents and brokers
  • Industrial companies & Manufacturers
  • Manufacturers
  • Logistics providers
  • Finance teams
  • Attorneys & Financial Advisors
  • Museums

Servicing Individuals & Households

AppraiseItNow also serves individual consumers with projects large and small. These clients often include:

  • High Net Worth Individuals (HNWIs)
  • Households updating their insurance policies
  • Couples going through marital divorce (depending on jurisdiction, FMV might be required instead)
  • Households dealing with lost, stolen or damaged items.
  • Individuals dealing with insurance or other third-party claims

See our client testimonials →

Replacement Cost Appraisal – Frequently Asked Questions

What types of items can be valued for Replacement Cost?

AppraiseItNow provides Replacement Cost appraisals for a wide range of personal and business property, including:

  • Antiques and antique furniture
  • Household contents and general personal property
  • Fine art and collectibles
  • Jewelry, watches, and precious metals
  • Residential and commercial furniture
  • Machinery and equipment
  • Vehicles, boats, and RVs
  • Inventory and operating assets

Artwork assignments include paintings, prints, sculptures, photography, and mixed-media works.

If you are unsure whether your asset fits within our scope, our team can confirm before engagement.

What are Replacement Cost appraisals used for?

Replacement Cost conclusions are most often relied upon for:

  • Insurance policy placement
  • Coverage reviews
  • Claims support
  • Risk management
  • Asset scheduling

Each report is tailored to the specific insurance or advisory need.

What information will I need to provide?

Most assignments require clear photographs, condition details, and identifying information such as serial numbers, signatures, or maker marks where applicable. Any purchase documentation or prior schedules can also be helpful.

Once scope is defined, we outline exactly what is needed to proceed.

Will the appraisal be accepted by insurance carriers?

Our reports are prepared by independent, qualified appraisers and are commonly used by insurers, brokers, risk advisors, and claims professionals.

Because carrier requirements vary, we review any known guidelines in advance whenever possible.

How long does the process take?

Most assignments are completed within several business days after all required information has been received. Timing depends on asset complexity, research needs, and reporting requirements. Expedited service may be available.