every state must have different rules I started with John Miller before he passed away and I had to have photos and a appraisal.The underwriter stopped writing policy so I got a new carrier Progressive. changed agents went to AON same deal over again and I was placed with Progressive.a friend of mine a AAA agent told me he could save me some money and he did about 400.00 per year so i get another appraisal and the photos.get my new policy back Progressive again. this 140.00 appraisal fee is getting old to get the same carrier each time
That would get old. But as long as you save more than $140 per iteration, I guess it is worth it. But it seems like one appraisal good enough for the one, should be good enough for the next as long as no major damage or wear has been done in between. Go figure. The friend is probably cutting you a deal out of his margin.