Amount-of-loss dispute support
Insurance Appraisal Representation
Many property policies include an appraisal clause. When you and your insurance company agree the loss is covered but disagree on how much it is worth, the clause may provide a way to resolve the amount-of-loss dispute. Each side picks an appraiser, and a neutral umpire addresses differences the appraisers cannot resolve.
Appraisal is a process under the terms of your policy, not a guarantee of coverage or a particular result. We can serve as your appraiser: inspecting the damage, preparing an independent estimate, working with the insurer's appraiser, and presenting our findings to the umpire if needed.
How appraisal works
- One side demands appraisal in writing, following the policy's terms.
- Each side names its own appraiser.
- The appraisers select a neutral umpire.
- The appraisers compare estimates and try to agree on the amount of loss.
- If they cannot agree, the umpire considers the differences; an award signed by two of the three may set the amount of loss, subject to the policy and applicable law.
A clear process
Our role as your appraiser
Review the clause
We discuss the appraisal wording, the disputed amount, deadlines, and whether appraisal is an appropriate path for your claim.
Evaluate the damage
We inspect the property and prepare an independent scope and estimate for the amount of loss.
Work toward resolution
We compare findings with the carrier's appraiser and present unresolved differences to the umpire when necessary.
When appraisal may not fit
Coverage is a separate question
Appraisal generally addresses the amount of loss, not whether the loss is covered. For a denial, review the written decision and consider speaking with an attorney.
Terms vary
Deadlines, costs, and the effect of an award depend on the policy and applicable law. We do not promise a binding result or provide legal advice.
Frequently asked questions
Is appraisal binding?
It depends on your policy wording and state law. We review your policy's appraisal clause with you before anything is invoked.
Who pays for appraisal?
Typically each side pays its own appraiser and they split the umpire's cost, but check your policy.
Can I use appraisal on an old claim?
Policies set deadlines. Bring your claim documents to a free consultation.
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This page is general information, not legal advice or a promise of coverage or settlement. Review your policy and ask qualified professionals about questions specific to your claim.
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