Preparing for an Appraisal
Helpful Information
To facilitate the appraisal process and ensure the appraiser the best information about your home, it's helpful - but not required - to have any of the below documentation available for the appraiser to review:
A survey or plot map of the property
Formal blueprints or floor plans for the home
Information on any written private easements, such as a shared driveway with a neighbor.
The title policy with information on encroachments or easements encroachments or easements.
A list of any major home improvements and enhancements - such as an addition, remodeling or upgrading items such as cabinets and flooring - the date of their installation, their cost and permit confirmation (if available).
Information on Homeowners Associations or condominium covenants and fees.
A list of proposed improvements and a budget for them, if the property is to be appraised "as complete" or "as repaired".
If you're not sure if a document or bit of information would be helpful, feel free to share it - it's always better for the appraiser to have too much information rather than not enough!
Before an Inspection
Before the appraiser arrives, make sure all rooms - as well as any attic, basement, storage and garage areas - are accessible. During winter months, make sure gates, walkways and paths on the property are free of ice and snow. If the appraiser is unable to access any area that is required for the appraisal, a return trip to the property may be needed and that may mean an additional fee.
No time to declutter? That's ok! The appraiser is looking for things that contribute to - or detract from - your home's value...and that doesn't include things like that laundry that couldn't get put away in time. While a clean and decluttered property can make for a quicker and easier inspection, it won't have an impact on the value unless it's causing property damage or is a potential safety hazard.
Have pets? While we're sure they're a fantastic part of your family, we must request that all pets be secured away from the appraiser during the inspection process. Please make sure the appraiser is aware of any pets in the home and where they are located so no one gets surprised.
A few common issues to check for before the appraiser arrives: Make sure there are smoke and carbon monoxide detectors installed within fifteen (15) feet of all sleeping areas - they're required by Illinois state law; Check that all electrical outlets near a water source are GFI outlets; Check for loose or discolored deck boards, stairs, window panes and trim (interior and exterior) - make sure no windows have been accidentally painted shut; If there are more than two steps to get to an area, it must have a handrail.
If you're unsure whether or not something may cause a problem with your appraisal, ask the appraiser as far in advance as possible. If it's not handled by the time the appraiser arrives, it's too late, and may mean you have to have a follow up inspection to confirm any issues or repairs have been addressed before the appraisal can be completed.