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Real Estate Appraisers policies

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Our Appraisal Policies

These policies are posted here so that you may better understand the way we do business, and so that we may work together in a more efficient manner.

 

Cancellation Policy

Privacy Policy

Opt Out Policy

Accepting/Declining Orders Policy   

Turnaround Time Policy

C.O.D. Cash on Delivery Appraisals

Finance Charges   (for extended billing privileges)

Authenticating our reports   

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Cancellation Policy

Indianapolis Appraisal Associates, Inc., prides ourselves on complete and accurate appraisals, as well as quick turnaround times and competitive pricing.  Once an order is placed with our company, one of our appraiser team members will usually start conducting primary research for your appraisal within a few hours.  Primary work includes starting a file, researching market data, contacting county offices, researching comparable properties, and contacting homeowners or real estate agents to set up the appointment.  These are just a few of the functions appraisers typically perform before actually inspecting real estate.  In order to maintain the highest caliber of staff,  quick turnaround times, and competitive pricing, it is necessary to sometimes charge a cancellation fee if an order is cancelled.

The fee charged is modest and based on the amount of work which has been completed up to the point of cancellation.  If no work has been performed, then there will be no fee.  If the order has been started (i.e. appraiser has gathered market research data, researched comparables, etc.) but has not been out to the subject property, then a $25.00 cancellation fee will be charged.  If the appraiser has gone out to the subject property, then a $125.00 fee will be charged for field work and photos- you will receive photos of the subject property.  Once the appraisal has been completed, the full appraisal fee will be charged regardless of whether the order is cancelled or not.

 

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Privacy Policy

At Indianapolis Appraisal Associates, Inc. your privacy is important to us.  We believe that our customers and our clients customers personal information should never be neglected.  Our Indiana real estate appraiser associates have been educated in information security as well as our procedural policies in an effort to avoid any foreseeable and avoidable security breaches. 

This policy explains what Indianapolis Appraisal Associates, Inc. does to keep information obtained from you private and secure.  We believe in transparency in all of our relationships and want you to know how we manage information.

Pursuant to the Gramm-Leach-Bliley Act of 1999, effective July 1, 2001, Appraisers, along with all providers of personal financial services are now required by federal law to inform their clients of the policies of the firm with regard to the privacy of client nonpublic personal information.  As professionals, we understand that your privacy is very important to you and are pleased to provide you with this information. 

Types of Nonpublic Personal Information We Collect

In the course of performing appraisals, we may necessarily collect what is known as "nonpublic personal information" about you or your customers.  This information is used to facilitate the services that we provide to you and may include the information provided to us by you directly or received by us from others with your authorization.  Examples of the types of "nonpublic personal information" we may collect would be our clients, client and customer relationship, terms or concessions of a purchase offer or sales contract, condition of an improvement, and estimated value of an improvement after we have appraised it.  Indianapolis Appraisal Associates, Inc. will not share your nonpublic personal information with others.  Therefore, on your behalf, we have exercised your right to opt-out under 12 CFR Part 40, Privacy of Consumer Financial Information.

Parties to Whom We Disclose Information

We do not disclose any nonpublic personal information obtained in the course of our engagement with our clients to nonaffiliated third parties, except as necessary or as required by law.  By way of example, as permitted by law under 16 CFR Part 313, Privacy of Consumer Financial Information, a necessary disclosure would be to our employees or subcontractors, and in certain situations, to unrelated third party consultants who need to know that information to assist us in providing appraisal services to you.  All of our employees and any third party consultants we employ or engage are informed that any information they see as part of an appraisal assignment is to be maintained in strict confidence within the firm.  Other than data defined as public, which is accessible to all identified and authenticated users, all data and processing resources are only accessible on a need to know basis and distributed by company management to specifically identified, authenticated, and authorized entities.

Confidentiality and Security

We will retain records relating to professional services that we have provided to you for a reasonable time as required by law and so that we are better able to assist you with your needs.  In order to protect your nonpublic personal information from unauthorized access by third parties, we maintain physical, electronic, and procedural safeguards that comply with our professional standards to insure the security and integrity of your information.  At the end of the data life cycle, any NPI that has been stored by us will be promptly and securely disposed in accordance with current data retention standards.

Information Security 

We have in place reasonable commercial standards of technology and operational security designed to protect all nonpublic personal information provided to us, from unauthorized third party access. 

Enforcement

Our privacy policy is monitored and strictly enforced.  Violations of policy will be recorded and will be used in determining vendor and subcontractor relationships.

Review

This policy will be reviewed annually and updated in conjunction with review of our Company Policies and Best Practices manuals, and the mailing of the annual privacy notice.

Trust 

As financial service providers our relationship must be built on trust.  You have chosen to do business with Indianapolis Appraisal Associates, Inc.  We value our relationship and take great pride in maintaining it, starting with the information you share with us.  Please call us any time if you have any questions about the confidentiality of the information that you provide us. 

Effective: 1/1/2007    Copyright, Indianapolis Appraisal Associates, Inc.

 

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Opt Out Policy

Indianapolis Appraisal Associates, Inc. will not share your nonpublic personal information with others.  Therefore, on your behalf, we have exercised your right to opt-out under 12 CFR Part 40, Privacy of Consumer Financial Information.

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Accepting/Declining Orders

Our goal is to notify you within four hours from the receipt of order, to inform you as to whether or not we will accept the order.  However, confirmation may take up to 24 hours.  If we must decline the order, an explanation will be given as to why.

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Turnaround Time Policy

Interior Appraisals

Communication is the key to a mutually successful relationship between us, the appraiser, and you, the lender.  We will make every effort to communicate any unforeseen problems and/or delays to your office. 

Once an order is accepted, we will immediately make every attempt to set an appointment for inspection.

Once we have established contact with the homeowner or listing agent, we will inform you of the appointment time.

Once the appraisal appointment has been completed, we will inform you that the appointment was upheld, and make every effort to complete and submit the appraisal to you within 24-48 hours**. 

**These are ideal circumstances.  We bear no responsibility for any assignments that end up taking longer to complete, regardless of the reason.

**All appraisals are not created equal.  Therefore, it is simply impossible to provide complete and accurate appraisals for many complex properties within 72 hours.

 

Exterior Only Appraisals

Communication is the key to a mutually successful relationship between us, the appraiser, and you, the lender.  We will make every effort to communicate any unforeseen problems and/or delays to your office. 

Once an order is accepted, we will make every attempt to drive-by the property within 24 hours.

We will also try to inform you of the proposed inspection appointment.

Once the appraisal appointment has been completed, we will inform you that the appointment was upheld, and make every effort to complete and submit the appraisal to you within 24-48 hours**.

**These are ideal circumstances.  We bear no responsibility for any assignments that end up taking longer to complete, regardless of the reason.

**All appraisals are not created equal.  Therefore, it is simply impossible to provide complete and accurate appraisals for many complex properties within 72 hours.

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C.O.D.   Cash on Delivery Appraisals

We do not accept orders based upon our appraisers collecting money at the time of appointment.  This decision is made based upon the safety of our associates.  However, if this is the only method you have for payment, we have provided you with a secure electronic method of paying for appraisals on this website.  Please inform us by telephone ahead of time that this is the method you will be using.  Once the payment has been verified, we will then set the appointment.  No exceptions will be made to this policy.

    Credit Card Purchase  /  Email Order Details

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Finance Charges

TRUTH IN LENDING

1. Finance Charge Calculation Method

Credit Purchases


A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on the invoice you receive with your report within 30 days from the closing date listed on that invoice.  After the 30 day grace period, you will be issued a Statement of Account.  If you elect not to pay the entire New Balance shown on this statement within the 30-day period following the statement's issuance, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the 31st day from the closing date of the original invoice.  New Credit Purchases from the date of posting to your account during the current billing cycle will continue to accrue interest until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 30 days from the closing date.

The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle (30).  Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.

As of 1/1/2007, our monthly (defined as 30 days) periodic rate is 6% per 30 day billing period.

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Authenticating our reports

Authentic Indianapolis Appraisal Associates, Inc. appraisal reports will always have "Indianapolis Appraisal Associates, Inc. (317) 784-6582" printed in the top or bottom header/footer sections of the first page of the main form of any report.

If a situation was ever to arise questioning the authenticity of a report where one of our associates names or license numbers were fraudulently used, computer forensics will be employed to prove or disprove the reports origin. 

Digital Reports: Digital computer identification is recorded for any report prepared by one of our associates. 

Printed Reports: Purdue researchers have now developed a technique to trace documents to their original printers.  Subtle print characteristics and "intrinsic signatures" are left by printers that act like a fingerprint, or more accurately, like a person's handwriting style.  Our associates use very specific, rare printer models and ink.

Note:  Unless you are the client who actually orders the appraisal, it is a very bad idea to "rely" upon any old appraisal without verifying its origin and at a minimum, ordering an "appraisal update"- property and market conditions can change dramatically causing appraisals to lose their reliability. 

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Real Estate Appraiser Indiana policies


Contact Us: EMAIL:  i...@appraisers.in  PHONE: 1+234-RE-VALUE  Indianapolis: 1+317-784-6582

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