Attention homeowners in Bunker Hill and Berkeley County: Get an Appraisal today!

See the top 7 reasons WV homeowners use STATE FARM FIRE AND CASUALTY COMPANY:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. Remove PMI to reduce their mortgage payment
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. If property needs to be divided because of a divorce
  7. Settle an estate in WV by determining the true market value of property in question

Need help determining the price of your home in or near Bunker Hill, WV?
Contact STATE FARM FIRE AND CASUALTY COMPANY.

We at STATE FARM FIRE AND CASUALTY COMPANY understand the individual needs of a consumer looking for appraisal services. Our usual business clients get the appraisal process and the usual "products" we deliver to them. Being a homeowner that most likely doesn't see an appraisal every day,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present the results of our analysis.

For Sale By Owner (FSBO)/Pre-Listing Services

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Our professional appraisers at STATE FARM FIRE AND CASUALTY COMPANY are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value opinion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. We're veterans in helping folks just like you dismiss unneeded and unwanted PMI insurance.

Challenging Berkeley county's assessment of your property

If you live in a local area that is declining or not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. This means you're going to pay higher taxes than you should be paying. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from STATE FARM FIRE AND CASUALTY COMPANY is your best weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow angle, but it can be bad for your credit score since it may appear as though that credit line is maxed out. STATE FARM FIRE AND CASUALTY COMPANY can provide you with an expert appraisal to help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for efficiency? STATE FARM FIRE AND CASUALTY COMPANY offers field reviews where we'll go out and check the subject and comps. Or, if you need it immediately, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have in your possession. While typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your property.