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Insurance appraisals vs a shop bid: pay for the paper you actually need
A written replacement value is a paid document. A cash bid is an offer. Do not ask for the first and expect it to be the second, for free.
“Can you write down what this is worth for my insurance?”
Yes, if that is a service they offer. Yes, it often has a fee. No, that number will not match a cash bid. Appraisal vs cash bid.
Replacement
What it would cost to buy another one at retail in a reasonable time. Higher.
Cash bid
What they will pay today. Lower. Why spreads exist. Bid and ask.
If you only need a rider
Ask your insurer what they accept. Sometimes photos plus invoices are enough. Sometimes they want a formal appraisal. Do not surprise a busy Saturday counter with 400 coins and “just jot a total.” What to bring. Estates. Receipts.
More on the coin and money library.