Insurance claims are not always agreed to and settled during the course of the adjustment process. This is usually due to a dispute regarding the overall value of the claim or costs allowed on specific components by the insurance carrier. Most policies contain an appraisal provision as a tool for resolution when disputes arise. Competent and unbiased appraisers are picked by both sides to evaluate and discuss the claim, scope and costs. Should the appraisers not reach an agreement, an umpire would then be appointed to review the facts of the case and make a final decision.

We are experts in this method of resolution and can assist you through this process. We have acted as appraisers on a large number of claims and also have relationships with the most respected appraisers in the industry. Every Insurance policy can have unique coverages and some may not include an Appraisal clause however, here is some typical or common policy language regarding appraisal. 


"If you and we do not agree on the amount of loss or damage, either party may make a written demand for an appraisal of the loss or damage. In this event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If they cannot agree, either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the value of the property and amount of loss. If they fail to agree, they will submit thier differences to the umpire. A decision agreed to by anytwo will be binding."