Appraisals & Umpiring

Invoking an Appraisal Clause

The Appraisal Clause is a Policy Provision found in the loss Settlement Section of the policy. It is an alternative Dispute Resolution, which can resolve disagreements when the carrier and the policyholder do not agree on the amount of damage.

A pen and glasses on top of an insurance policy.
A close up of an appraisal form
Two men shaking hands over a table in front of windows.

The typical appraisal clause allows each party (insured & insurers) to select a qualified unbiased and impartial appraiser. The two appraisers then select an unbiased competent umpire, or the court will appoint one. If the appraisers fail to agree on all or some of the items, they submit their differences to an umpire for their final decision. We have found that this is a very good alternative to claims resolution without the big expense of legal representation. Although that is not always possible.

Disaster Adjusting can assist you in this form of claim resolution! Please contact us!