Frequently Asked Questions

1. What is an insurance claim appraisal?

An insurance claim appraisal is a process where an independent third party evaluates the value of the damage or loss for which you are making a claim. This process helps to determine the amount your insurance company should pay for the repair or replacement of the damaged property.

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2. When should I request an appraisal?

You should request an appraisal if you disagree with the insurance company’s estimate of the damage or the amount they’ve offered to settle your claim. The appraisal process can help resolve these disputes.

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3. How does the appraisal process work? 

The appraisal process typically involves three parties: you, your insurance company, and a neutral appraiser or umpire. Both you and the insurance company select appraisers, and if they cannot agree on the value, an umpire is brought in to make the final decision.

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4. Who pays for the appraisal?

You are responsible for paying your appraiser’s fees, and your insurance company covers the cost of their appraiser. If an umpire is required, the cost is usually split between you and the insurance company.

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5. How long does the appraisal process take?

The length of the appraisal process varies depending on the complexity of the claim and the availability of the appraisers. It can take anywhere from a few weeks to a few months to reach a final decision.

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6. Can I still negotiate with my insurance company after an appraisal? 

Once the appraisal process is complete, the decision is binding. This means that the amount determined by the appraisers (or umpire) is final, and you cannot negotiate further with your insurance company.

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7. What if I’m unhappy with the appraisal outcome?

The appraisal decision is typically final and binding. However, if you believe there was an error or that the process was unfair, you may seek legal advice to explore other options, such as arbitration or litigation.

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8. Do I need an attorney for the appraisal process?

While you don’t need an attorney to go through the appraisal process, you may want to consult one if you have concerns about your rights or if the claim is complex. An attorney can provide guidance and help ensure that the process is conducted fairly.

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9. What types of claims can be appraised?

Most property damage claims, such as those involving homes, cars, or personal belongings, can be appraised. However, not all insurance policies include an appraisal clause, so you should review your policy or consult with your insurance agent to confirm.

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10. How do I choose an appraiser?

Choose an appraiser who is experienced in handling the type of claim you are making. They should be knowledgeable about the specific type of damage and be familiar with local market values. It's also important to select someone who is impartial and has a good reputation.

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11. What is the role of the umpire in the appraisal process?

The umpire is a neutral third party who steps in if the two appraisers (yours and the insurance company’s) cannot agree on the value of the claim. The umpire reviews the appraisers’ findings and makes a final decision, which is binding.

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12. Can the appraisal process be used for claims other than property damage?

The appraisal process is most commonly used for property damage claims, but it can sometimes be applied to other types of claims, depending on the terms of your insurance policy. Check with your insurance provider to see if appraisal is an option for your specific claim.

 

13. How do I start the appraisal process?

To begin the appraisal process, notify your insurance company in writing that you wish to invoke the appraisal clause in your policy. You’ll then need to select an appraiser, and the insurance company will do the same. The appraisers will work together to determine the value of the claim.

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14. What happens after the appraisal is completed?

Once the appraisal is completed and a value is determined, the insurance company will issue payment based on that amount. If the appraisal amount is higher than the original offer, you will receive the difference. If it’s lower, you will receive the lower amount.

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15. Is the appraisal process the same in every state?

The appraisal process can vary by state, as different states have different regulations and guidelines for insurance claims. It’s important to understand the specific rules in your state, which your insurance company or a legal advisor can help explain.

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