Insurance Appraisal Orlando

Link to see Photos of Properties Appraised (Partial List)

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Condo Master Policy Appraisals

Central Florida Appraisal Consultants (CFAC) provides independent, USPAP-compliant insurance appraisals for commercial properties, condominium associations, HOAs, and property owners throughout Orlando and Central Florida. Our insurance appraisals focus on replacement cost and Replacement Cost New (RCN)—not market value—helping clients avoid the costly risks of underinsurance or overinsurance.

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What Is an Insurance Appraisal?

An insurance appraisal determines the cost to rebuild a property with materials of like kind and quality at current construction costs. Unlike a market value appraisal, an insurance appraisal:

• Excludes land value

• Focuses on building components and construction costs

• Supports underwriting, policy renewals, and risk management

Insurance appraisals are commonly required by insurance carriers, lenders, condominium associations, and property managers, especially during periods of rapid construction cost changes.

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Our Insurance Appraisal Services

🔹 Condominium Master Policy Appraisals

We specialize in condo master policy insurance appraisals for associations of all sizes. Our reports help boards and managers:

• Establish accurate replacement cost limits

• Reduce exposure to special assessments

• Support informed insurance renewal decisions

🔹 Commercial Insurance Appraisals

We provide replacement cost appraisals for:

• Office buildings

• Retail & shopping centers

• Industrial & warehouse properties

• Multifamily properties

• Mixed-use developments

🔹 Replacement Cost & RCN Analysis

Our appraisals include a detailed Replacement Cost New (RCN) analysis that reflects:

• Current labor and material costs

• Local construction conditions

• Building design, quality, and complexity

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🔹 Risk & Underwriting Support

Insurance appraisals are often used for:

• Policy renewals

• Hurricane and windstorm risk planning

• Portfolio-level insurance reviews

• Attorney or CPA support

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Why Insurance Appraisals Matter

Many properties are unknowingly overinsured or underinsured, especially when coverage is based on outdated estimates or market value assumptions. An accurate insurance appraisal can:

• Prevent coverage gaps after a loss

• Reduce unnecessary premium costs

• Provide defensible documentation for insurers

• Help boards and owners meet fiduciary responsibilities

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Why Choose CFAC Appraisal?

• State-Certified General Appraiser RZ 887

• USPAP-Compliant Insurance Appraisals

• Deep experience with condo associations & commercial properties

• Local Central Florida market knowledge

• Clear, defensible, and timely reports

CFAC Appraisal is trusted by property owners, HOAs, condominium associations, attorneys, and insurance professionals who need independent and reliable insurance valuations.

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How Often Should Insurance Appraisals Be Updated?

Most insurance professionals recommend updating insurance appraisals every 3–5 years, or sooner when:

• Construction costs increase significantly

• Major renovations are completed

• Insurance carriers request updated valuations

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Service Areas

We provide insurance appraisals throughout:

• Orlando

• Winter Park

• Lake Mary

• Altamonte Springs

• Kissimmee

• Clermont

• Sanford

• Oviedo

• Orange-Seminole-Lake-Osceola-Volusia & Brevard Counties

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Request an Insurance Appraisal

If you need an insurance appraisal, replacement cost appraisal, or condo master policy valuation, contact CFAC Appraisal today.

📞 Call: (407-230-1023)

📧 Email: (Dan@DanPeele.com)

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📄 Get a Quote: see Red Button at the upper right corner

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