Homeowners Insurance Is Getting Stricter — Why Now Is the Best Time to Appraise Your African Art

Across the U.S., insurance companies have been tightening their documentation requirements due to rising claims related to theft, fire damage, and natural disasters. This has a direct impact on collectors of African art, where authenticity and value can vary significantly.

Insurers now require stronger proof

To approve claims or add coverage, more companies request:

• detailed photos,
• ownership evidence,
• third-party valuations,
• proof of market value.

 Without a reliable appraisal, declared values are often challenged or rejected.

What this means for collectors

• Unappraised items may receive little or no coverage.
• Insurers may classify them as generic decorations.
• Claim delays or disputes become more common.
• Some carriers refuse to schedule items without an appraisal.

Given the rise in catastrophic events and claim fraud prevention efforts, insurers increasingly rely on independent appraisers as the only credible source of valuation.

Why an appraisal protects you

• Helps you secure proper coverage and avoid disputes.
• Gives your insurer exactly the documentation they need.
• Establishes ownership and value before a loss occurs.
• Supports scheduling your art item for full protection.
• Ensures you are compensated fairly.

A professional appraisal costs only $15, but the financial protection it offers is immeasurable.

 Appraise your African art now before you need to make a claim.