Insurance An appraisal prior to damage is the best way for your agent to provide adequate coverage, and should the need for a claim arise, for you to collect full value. An appraisal for personal property included in your separate rider, such as fine art, antiques, silver, crystal, china, porcelain and jewelry. DAMAGE CLAIM Provides assistance in settling a claim, when there is a full or partial loss. Factors taken into consideration; whether restoration is plausible or recommended, replacement value before damage, and loss of value after restoration. rhappraise@mac.com mailto:rhappraise@mac.comshapeimage_1_link_0

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