Damage and neglected repairs
Describe roof damage, water intrusion, structural concerns, pest damage and neglected systems accurately. Tell the appraiser which problems remain and which have been repaired, with dates and records where available.
Give repair dates and describe what changed. For a value as of a past date, separate the condition at that time from work completed later.
A floor plan that is hard to use
Room count does not explain the whole layout. A room reached only through another bedroom, an unfinished addition or spaces that are difficult to use may compare differently with more practical homes. The appraiser looks at those differences in the market evidence.
If the layout differs from the public record, explain what changed. Gather the plans, permits and improvement records you have. A description of the actual rooms is more useful than trying to make them fit the record.
Source: Appraisal Institute guidance on floor plans and comparisons with similar homes.
Location and the homes used for comparison
The Appraisal Institute identifies location, condition, improvements and market trends as factors in value. The appraiser compares the property with recent sales of similar homes in the area.
If you know of a relevant nearby sale or an unusual feature of the site, provide the facts and supporting records. Ask a factual question if the report describes the property incorrectly.
Source: Appraisal Institute guidance on property features and comparable sales.
Information to gather before the visit
Make the agreed areas accessible and explain known problems. Gather repair dates, invoices and plans you already have. Provide factual information and let the appraiser reach an independent value.
Ordinary tidying helps the appraiser see the home. Persistent odors or clutter that blocks observation are different from everyday untidiness. Explain those conditions before the visit rather than concealing them.