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Raise your home's worth with these simple appraisal tips

A fair opinion of value gives buyers and lenders a clear picture of a home's worth.

A professional home appraisal is required when selling a home — and it's also important for refinancing. The unbiased opinion of your home's value gives potential buyers and lenders a clear picture of a home's worth.

While some influencing factors are outside of your control — such as proximity to good schools and the value of nearby homes — a few simple steps may help increase the value of your home.

Before your home appraisal

  • Review previous appraisals. Look for issues that lowered your home's value in the past and address those problems.
  • Collect important documents for the appraiser. These could include a land survey that verifies property size, proof of your home's most recent sale price and a list of recent improvements complete with receipts.
  • Tidy up. Clear clutter and contain pets to make the inspection easier for the appraiser.
  • Invest in curb appeal. Clear debris from your yard, trim the hedges, and clean the gutters to make your home more attractive.
  • Make minor repairs. Small fixes, such as touching up chipped paint or replacing a broken doorknob, can help add to a home's value.

What to expect during your home appraisal

The process includes three major steps:

  • Real estate inspection: The appraiser closely examines the interior and exterior of your home, taking photos and noting its overall condition.
  • Comparables: After the initial visit, the appraiser researches recently sold homes in your neighborhood. This helps the appraiser calculate the home's worth based on current housing market values.
  • Final report: The appraiser prepares a complete property and market analysis, which typically includes:
    • Your home's size and condition
    • A record of any serious structural issues
    • Notes about recent home renovations and the surrounding area
    • Photographs, sketches and maps of your property

The information in this article was obtained from various sources not associated with State Farm®. While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. These suggestions are not a complete list of every loss control measure. The information is not intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. Nor is it intended to effect coverage under our policy. State Farm makes no guarantees of results from use of this information.


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