The appraisal clause is one of the most powerful — and most overlooked — tools in a homeowner's policy. Here's exactly how it resolves a value dispute, and where we fit in.
You share your policy, the carrier's estimate, and photos of the damage. We confirm your policy contains an appraisal clause, that the dispute is truly about amount (not coverage), and that appraisal makes economic sense for your situation.
If appraisal is the right path, we sign a clear engagement agreement stating our role as your independent appraiser and our flat fee. You know exactly what you're getting and what it costs.
Appraisal is formally demanded in writing per your policy's terms. You name us as your appraiser; the insurer names theirs. The two appraisers then select a neutral umpire.
We inspect the property, document every element of the damage, and build an independent scope of loss from the ground up — measured, itemized, and priced to current local costs.
We prepare a documented appraisal of the amount of loss and exchange positions with the insurer's appraiser, item by item, with supporting evidence.
The two appraisers work to agree on the amount. Where they can't, disputed line items go to the umpire. An agreement signed by any two of the three — the appraisers or an appraiser plus the umpire — sets the amount of loss.
The signed appraisal award establishes the binding amount of loss. Your carrier applies your policy terms (deductible, prior payments, depreciation where applicable) and issues payment. We close out your file and hand you the complete record.
Timelines vary with the complexity of the loss, scheduling of inspections, and how quickly the umpire is engaged. We'll give you a realistic estimate at consultation — and keep you updated at every step.
A free consultation is the fastest way to find out. No obligation, no pressure.
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