The first thing to do is get an independent assessment and review it in detail to make sure it is accurate, i.e. measurements, types of rooms, special features, etc. This is especially true with length of water frontage. I was fortunate that when I had to do a challenge, I had already gotten 2 appraisals for other purposes so I just used those. I corrected several inaccuracies like calling a porch "heated" when it was not. Another porch was called "finished" and it was bare 2x4s on the inside. I filed the paperwork for a review and they came and reviewed the property and I won the appeal.
To some extent it depends on who you are dealing with and how reasonable they are. If they are jerks, you may need a lawyer to show them you are serious.
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