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COVID-19 Information for the Public

Consumer COVID-19 FAQs

1. I need to get an appraisal report on my property, will an appraiser enter property to inspect it?

The COVID-19 emergency may change the method by which the appraiser writing the report carries out an inspection of your property. 

You can expect that Public Health Authority directives for social distancing and self-isolation may prevent them from entering your property to perform an in-person interior inspection.

How to work with your appraiser to complete the appraisal process.

2. Is there any information about my property I could have ready for the appraiser?

If the appraiser is unable to perform an in-person interior inspection of your property, you could be asked to provide:

  • interior photos of your property to the appraiser to be included in the report in place of photos that they would normally take themselves during an in-person interior inspection of your property.
  • A video tour of your property carried out by video-calling, FaceTime, WhatsApp, etc. – if you are willing and have the technology to do so.
  • any building specifications that you may have
3. How else can the appraiser collect information on my property?

AIC members are advised to follow the guidance and advisories of Public Health Authorities.  This could mean that they will be unable to perform an in-person interior inspection of your property.  The appraiser will have access to other government and third-party data that will provide information about your property.  This could include:

  • available MLS data,
  • municipal permits,
  • assessment information,
  • client or owner information, and
  • any other available source to estimate the physical characteristics of the house interior and the remainder of the property.

Any information that you are able to provide can help to create a fuller description of your property in the report.

Some appraisers may also be able to drive to your property and observe it from the street while staying in their car to provide them with information about the front exterior of your property, your front yard, and the surrounding neighbourhood while continuing to practice social distancing.

4. Will a bank accept a report during the COVID-19 emergency that has been completed in an alternative fashion?

The AIC is mindful of the extreme situation the country is in and of every Canadian’s responsibility to stop the spread of COVID-19.  These are extreme times and they call for everyone to adhere to Public Health Authority advice and guidelines. 

AIC members have been advised to follow Public Health Authority guidelines and advice to avoid putting themselves or others at risk of contracting or spreading COVID-19.  What this means is that in many instances, they will not be able to perform an in-person interior inspection of your property.

Everyone in the real estate industry is taking Public Health Authority guidelines and advice seriously and is working together to ensure that we are doing all that we can to help our governments fight this disease including accepting that alternatives to the normal course of business may be required during these trying times.

5. What is the difference between a Full Appraisal without an in-person inspection and a Drive-by Report?

A Drive-by report notes the characteristics of the front of a property observed from the street and uses this information as a basis for assumptions about the remainder (interior, rear of the house, landscaping, etc.) of the property.

A Full Appraisal without an in-person inspection notes, if available, the characteristics of the front of a property and uses this information along with:

You could expect a Full Appraisal without an in-person inspection to be more thorough and descriptive than a Drive-by report.

For more information on How else can the appraiser collect information on your property, please refer to question 3.