Understanding the Insurance Appraisal Process
When a property damage claim is disputed, many homeowners don’t realize they have options beyond simply accepting the insurance company’s offer. The appraisal process exists to help resolve disagreements in a fair, unbiased manner — and it can make a major difference in your final payout.
What Is an Insurance Appraisal?
Insurance appraisal is a method of resolving disputes over the value of property damage. Each side (you and the insurance company) hires an independent appraiser. If they can’t agree, a neutral umpire makes the final call. This process is faster, less expensive, and less confrontational than taking legal action.
When Is It Used?
Appraisals are commonly used for disagreements about hail damage, roof replacement costs, water damage, fire loss valuations, and more. It’s particularly useful when you feel your insurance payout is too low or incomplete.
Why It Matters
An experienced appraiser can ensure you’re treated fairly, using accurate construction pricing, detailed damage assessments, and expert negotiation. Without one, you may miss out on thousands of dollars in covered repairs.
Work With Trusted Experts
Our team brings decades of combined experience in estimating, insurance policy review, and high-stakes claim resolution. Whether you’re a homeowner, contractor, or adjuster — we’re here to help you get a fair result.