Insurance Claim Appraisal

We handle residential and commercial property appraisal-clause matters for most physical-loss events—hail/wind, hurricane, water (sudden/accidental), fire/smoke, vandalism, theft, and more. Not sure if it’s a fit? Send the claim number + appraisal demand/policy appraisal pages and we’ll confirm whether we can accept the appraiser appointment (subject to any disinterested/impartial requirements).

In many appraisal clauses, each party selects and pays its own appraiser. The appraisers then select an umpire (or follow the policy’s method). Umpire fees are commonly split unless the policy states otherwise—policy language and jurisdiction control. Separately, our fees are non-contingent (not based on the appraisal award or amount of loss). Fees are based on time and file complexity. We start with a quick intake review, then confirm scope and provide an estimated range before proceeding.

Typically, appraisal focuses on the amount of loss (the numbers). Coverage/causation questions may be handled differently depending on policy language and law.

Not exactly. Appraisal often addresses the amount of loss (valuation). Arbitration can have different scope and rules. Your policy language and jurisdiction control what applies.

For appraisal, most timing is demand-triggered. Include (1) the date the written appraisal demand was sent and received, then track the clause-driven milestones: (2) each party’s appraiser selection notice (often due within 20 days of receipt of the written demand/request), (3) umpire selection (often within 15 days after appraisers are appointed), and (4) the date the signed appraisal award was issued/submitted (typically a written decision agreed to by any two). If your policy has a state-specific ISO amendatory endorsement, attach that page so intake uses the correct timeframes.

Common items include a claim number, demand letter, carrier/independent adjuster contacts, correspondence between all parties, estimates and scopes from both sides, photos, invoices and receipts, mitigation documents, and key dates. If you’re missing something, submit what you have anyway, and we’ll provide a checklist.

No. This is a neutral, documentation-first process. Outcomes depend on the facts, documents, policy language, and applicable requirements.