Insurance Appraisal Services in Minnesota

When there’s a disagreement between the policyholder and the insurance company on the value of property damage — whether it’s due to hail, wind, water, or other loss types — the appraisal clause is often the next step. Our licensed, third-party appraisers provide fair and defensible valuations to help settle disputes without litigation.

• Claim Dispute Resolution: Appraisals offer a formal, contract-backed way to resolve disagreements over repair costs or scope of damage.

• Neutral, Experienced Appraisers: We work independently — not for the insurer or the homeowner — and our role is to reach a fair, balanced outcome based on the facts.

• Policy Language Expertise: We understand the fine print — and help clients and contractors navigate the process with confidence.

• Faster, Less Expensive Than Legal Action: Appraisals can be resolved in weeks, without hiring an attorney or going to court.

What to Expect from the Appraisal Process

We make the insurance appraisal process clear, efficient, and fair for all parties involved. Here’s how it typically works:

• 1. Initiate the Appraisal Clause: Either the policyholder or insurer invokes the appraisal clause as outlined in the policy.
• 2. Appraisers Are Selected: Each side appoints an independent appraiser to represent their valuation position.
• 3. Site Review & Estimate Comparison: We review all available evidence, including estimates, photos, reports, and in some cases, the property itself.
• 4. Agreement or Umpire: If both appraisers agree, the value is binding. If not, a neutral umpire is appointed to make a final decision.
• 5. Final Award: The majority decision (2 out of 3) is signed, submitted to the insurer, and paid out accordingly.