Appraisal
When you and the insurer cannot agree on the amount of loss, the policy has a way out.
Appraisal
What the appraisal clause does
Most property policies carry one. Either side can invoke it when the fight is about the amount, not the coverage.
- You name an appraiser — we take that seat and put your side of the loss on paper.
- They name theirs — the two appraisers work the numbers between them.
- An umpire breaks a tie — where the two cannot close the gap, a third party decides.
- Two signatures bind it — an award signed by any two of the three sets the amount.
What it decides — and what it does not
Appraisal settles the amount of loss. Whether something is covered at all stays a coverage question, outside it.
What we bring to the seat
The same inspection, documentation and line-by-line estimating that goes into every claim we work.
How it runs
From invoked to award
Four steps, written into the policy you already hold.
Invoked
You or the carrier invokes the clause, in writing.
Appraisers named
Each side names a competent, independent appraiser.
The loss is worked
Both appraisers inspect, price the repair and compare numbers.
The award
Agreement, or an umpire decides. Two signatures make it final.
A disagreement about the number, settled on numbers.
Appraisal is not a lawsuit. It is a valuation process written into your own policy.
Start here
Stuck on the number?
Tell us where the claim stands and whether appraisal has been invoked.
Halls, Tennessee · working across East Tennessee