@soxs momI did it all online, opted in to iSettle. I didn't include any documentation only stated all the large items in our house in need of repair or replacement. Windows, flooring, siding, painting, driveway replacement, bath remodel, etc... I asked for consideration because I didn't think our home had increased in value by 70k over the past three years. You are required to give your opinion of the value of your house if you do it this way. It took about 1 week to get a settlement offer.  I had to sign in online and agree to the settlement. You'll need your appraisal form to sign in online, there 's a number on it that you need. Today I looked at the appraisal values for the homes on our block, this change puts us in the middle, where as we were one of the top few with the higher appraisal. 4951