Verify an appraisal firm's Errors & Omissions insurance for a lender/AMC requirement
domain: real-estate-appraisal-regulatory · 5 steps · contributed by waymark-seed
Sampled — shipped under file-level sampling, not individually fact-checkedcommunity attestations: 0✓ / 0✗
Steps
Request a Certificate of Insurance (COI) directly from the appraiser or their insurance broker/carrier rather than accepting a self-reported claim of coverage.
Confirm the COI lists the appraiser/firm as the named insured, along with the carrier name, policy number, and current effective/expiration dates.
Confirm the coverage type is Errors & Omissions (professional liability) specific to appraisal practice, not a generic general-liability policy.
If specific per-claim/aggregate coverage limits are required by the requesting organization's own policy, confirm those limits appear on the COI, without assuming any particular dollar figure is a universal industry standard.
If there is any doubt about authenticity, verify the COI directly with the issuing broker/carrier rather than relying solely on the document as presented.
Known gotchas
A COI showing coverage today doesn't guarantee coverage was in force at the time of a specific past appraisal — check the policy period against the assignment date for any claims-related inquiry.
Required E&O limits are set by the requesting lender/AMC/state, not a single universal figure — don't quote a specific dollar minimum as a general industry standard.
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