Personal Property Appraisal:
A valuation of personal property by the informed estimate of an authorized person.

Who Needs the Services of a Personal Property Appraiser?

Life is full of challenges, and some can be overwhelming. Executors of estates need to settle probate. Parties navigating the difficult waters of a divorce. A business owner selling business assets. Anyone who is downsizing and wants a current valuation on items they wish to sell. Anyone needing to find replacement value for insurance reasons. And sometimes, simply for the sake of personal curiousity.

An appraiser is an independent, impartial third party with no personal or professional interest in the items of appraisal. Lack of bias is crucial while current values are found for items of appraisal. An appraiser will back up their findings with a written appraisal report.

Dark Horse Appraisals is owned & operated by Susan L. Andrews, an accredited Canadian Personal Property Appraiser (CPPA) and member in good standing with the CPPAG. The CPPAG complies with USPAP (Uniform Standards of Professional Appraisal Practice) and is recognized throughout Canada and the United States. Appraisers affiliated with the CPPAG are bound to a high standard of ethics, conduct and adherence to industry standards while performing an appraisal.

There are several factors to consider during an appraisal, including: physical condition, age, make and model, authenticity, provenance, desirability, scarcity, use, obsolescence and current market/economic conditions. An appraisal may also include transportation and/or removal costs.

The main forms of value found during an appraisal are Fair Market Value and Replacement Value.

  • Fair Market Value (FMV) is the price at which the property would change hands between a willing buyer and a willing seller, neither being under compulsion to buy or compulsion to sell, with both having reasonable knowledge of relevant facts. This type of value is commonly used for probating wills, estate dispersal, divorce, bankruptcy and private sale.
  • Replacement Value (RV) is the cost of replacing a particular item when it is either lost or destroyed, usually for insurance purposes, though it may also be a factor in private sales.  

Appraisers come from many backgrounds, some more eclectic than others. I have cultivated an interest and love for antiques, artwork and fine objects for decades. Museums, historical sites, art galleries, antique stores and flea markets have been favourite haunts since childhood.

Photo of Susan L. Andrews, CPPA

Susan L. Andrews, CPPA

I grew up in Ottawa and took Advertising Creative at Algonquin College. Upon graduation I spent several years working as an Advertising copywriter in both Ontario and British Columbia. I returned to Ontario in 2000 and have been successfully self-employed in fields that require diligence, reliability, accountability, attention to detail and excellent time management skills.

I bring a strong background in investigation, research, data collection/analysis and report writing to fruition by conducting confidential, unbiased appraisals for my clients.

I have been a lifelong and ardent student of sociology, history and art in all its forms. As I may be asked to appraise everything from an estate to something more specialized, like a tapestry, toy collection or mystery farm implement, I actively pursue a self-guided course in art and antiques of all kinds. Several hours are spent each week ensuring that my knowledge base is kept current.

Service Area

My service area covers the united counties of Leeds/Grenville/Lanark, Edwardsburgh/Cardinal, Merrickville/Wolford and South Dundas/Glengarry. Essentially, the section of Eastern Ontario that is south of Ottawa and between Cornwall and Kingston.


To contact Susan L. Andrews, please use the form below. All appraisals are undertaken with the strictest of confidence.