Damage assessment: Get a free price quote • Quick response

Damage assessment

Have you experienced damage to your home, car or property? A damage assessment may be necessary to document the extent of the damage and ensure correct compensation from the insurance company. A professional appraiser will assess the damage and prepare a detailed report that gives you peace of mind in a demanding situation.

We can provide you with a free, no-obligation quote from an experienced appraiser in your area. 

Get a free quote for a damage assessment

Send us a short description of your wishes and needs, and we’ll help you find the best suited appraiser for your particular task.

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What types of damage is it common to assess? 

There are many different types of damage that can affect a home, cabin, car or property. The most common types of damage appraisers assess are water damage, which can be caused by anything from leaks in pipes or roofs to flooding or frost heaving. Fire and smoke damage is also relatively common to appraise, both after major fires and smaller fires. 

Natural damage is also common, such as storm damage to roofs or facades, flood damage, landslide or avalanche damage and lightning strikes. In the event of traffic accidents or vandalism, it is often necessary to appraise car damage. 

Defects or deficiencies in new builds or after renovation can lead to claims, where an appraiser assesses the actual condition against agreed specifications. Burglary, vandalism and deliberate damage to buildings also often require a loss assessment. 

Other common types of damage are fungal and mold infestations in damp buildings, as well as subsidence damage due to poor ground or foundations. Whatever the cause, a professional damage assessment will document the extent of the damage and form the basis for an insurance settlement.

xamples of different types of damage: 

  • Water damage, such as leaks, moisture damage, flooding or frost heave 
  • Fire and smoke damage 
  • Natural damage caused by storms, floods, landslides or lightning strikes 
  • Damage to a car after an accident or vandalism 
  • Construction defects and complaints on new buildings or after renovation 
  • Burglary damage and vandalism 
  • Fungus and mold infestation 
  • Settlement damage due to poor ground or foundations  
Get a free quote for a damage assessment

How is a damage assessment prepared? 

A damage assessment is a thorough evaluation of the extent of damage and repair costs, carried out by an experienced and objective appraiser. The process usually starts with a detailed visual inspection of the damage site. The surveyor takes a methodical approach and examines all affected areas, both externally and internally. 

If there is any suspicion of hidden damage or underlying problems, the appraiser may initiate more in-depth investigations. This may involve moisture measurements in the structure, camera inspection of pipes and drains, or thermography to reveal any invisible weaknesses. 

Based on the extent of the damage and the necessary remedial measures, the valuer calculates the total cost of repairing the damage and restoring the property to its original condition. This is based on current principles and guidelines for insurance settlements. 

In addition to the actual repair cost, the appraiser assesses whether the damage has led to a reduction in the value of the property. All findings, assessments and calculations are summarized in a detailed valuation report, often with supplementary photo documentation. 

The damage assessment forms the basis for the dialog with the insurance company and helps to ensure that you as the injured party receive fair compensation. A professionally carried out loss assessment is therefore an important tool for safeguarding your interests in a demanding situation. 

Get a free quote for a damage assessment

How do I get a quote for a loss assessment? 

In order to get a quote for a loss assessment, it is common to contact several appraisers to compare prices and expertise. Loss assessment requires experience with different types of damage, so it’s important to find an appraiser with relevant expertise for your situation. 

Many people also search online for appraisers in their area and read reviews from previous customers. It can be time-consuming to search for the best appraiser for the job. Our goal is to save you time in this process. 

At Takserer.no, we work with a wide network of appraisers across the country. Fill in the form on our website and we’ll match you with the appraiser best suited to you and your assignment. 

Other related questions 

Your insurance terms and conditions describe what is covered. Usually, the insurance covers sudden and unforeseen damage. Gradual deterioration, wear and tear or lack of maintenance are rarely covered. If in doubt, contact your insurance company.  

An appraisal is an assessment of the extent of damage and repair costs, usually ordered by the owner in connection with an insurance claim. An appraisal is a legal assessment of a dispute, for example between the owner and the insurance company, where appointed appraisers make an independent assessment.  

Usually the client, i.e. the owner of the damaged property or object, pays. However, some insurance companies also cover the cost of damage assessment. Check the terms and conditions or ask your insurance company.  

It varies depending on the appraiser’s availability and workload. Simple cases can often be inspected within a few days, while larger and more complex damage cases require more time. Ask for a time estimate when you book an appraisal.  

No, the appraiser’s repair description is a professionally justified proposal. You can choose other solutions, but then you risk not receiving full compensation from the insurance company. A good dialog with the appraiser can clarify such questions.  

You can ask the loss adjuster for a more detailed justification or explanation. If you still disagree, you can complain to the appraiser’s professional organization and ask for a new assessment.  

Yes, a damage assessment is expert testimony that can be presented as evidence in court. The appraiser must then often appear as an expert witness to explain the appraisal and answer questions.  

A damage assessment should be so detailed that it clearly describes all damage and necessary repairs. Relevant photo documentation, drawings and calculations should be included. Thoroughness is important to avoid doubts and discussions with the insurance company.  

Yes, an experienced appraiser will look for signs of underlying damage and examine critical points. But a visual inspection has its limitations. Some hidden defects may require special investigations beyond a standard damage assessment.  

Look for appraisers with relevant education and practice, and who are members of reputable industry organizations. Check references and reviews. A good and objective appraiser is up to date on regulations and guidelines, has integrity and is clear in their communication.