Appraisal Services
When you and your insurer disagree on the amount of a loss, your policy's appraisal clause may offer a way to resolve it. We serve as the appraiser.
What We Do
Appraisal usually settles the amount of loss, not whether the claim is covered.
Appraisal clause review
Whether your policy has an appraisal clause and how it works.
Amount of loss
The disagreement over the value of repairs or replacement.
Scope and pricing
Differences in scope of work and line-item pricing.
Independent inspection
Our own inspection and measurements of the loss.
Appraisal estimate
A detailed estimate prepared for the process.
Working with the umpire
Presenting the evidence when the two appraisers do not agree.
Appraisal award
Reviewing the written award that sets the amount.
Deadlines
Appraisal timelines and notice requirements in your policy.
How Appraisal Works
Policy terms and state rules vary, so we start with your policy.
Check your policy. Look for an appraisal clause and any notice requirements.
Request appraisal in writing. The process is usually started by a written request.
Each side names an appraiser. We can serve as yours.
The appraisers choose an umpire. The umpire resolves differences the appraisers cannot settle.
A written award. The award sets the amount of loss.
Talk to us first. A free review can tell you whether appraisal fits your claim. We generally do not act as both your public adjuster and your appraiser on the same claim.
Appraisal Questions
What Is Insurance Appraisal?
A dispute process in many property policies, used when you and the insurer disagree on the amount of a loss.
Does Appraisal Decide Coverage?
Appraisal usually decides the amount of loss, not whether a loss is covered. Your policy and state rules control the details.
Can You Be My Public Adjuster And My Appraiser?
We generally do not act as both on the same claim. We explain which role fits your situation.
Can I Hire You If My Claim Is Already Open?
Often, yes. Bring your policy, your claim file, and any carrier letters, and we will review where things stand.
How Long Does A Appraisal Claim Take?
It depends on the size of the loss and how the insurer responds. We explain the likely timeline in your free claim review.
Other Ways We Help
Public Adjuster
We represent you, not the insurer, from first photo to final settlement.
Learn More about Public Adjuster
Umpire
We act as a neutral umpire when appraisers cannot agree on the amount of loss.
Learn More about Umpire
Underpaid Claims
Lowball offers, missed line items, and estimates that fall short of real repair costs.
Learn More about Underpaid Claims