Independent Property Damage Valuations for Insurance Claims

The process:

1. Each party selects their own appraiser

2. Appraisers inspect the property and determine loss value

3. If they disagree, they select a neutral umpire

4. Any two of the three must agree on the value

5. This decision is binding

Note: don't start the appraisal process, until you've found a competent appraiser. Appraisal demands set specific deadlines in motion, so it's important to be informed, before considering this claim resolution method.

Our Appraisal Services

Appraiser Representation We serve as your appraiser in the appraisal process. Professional property assessment and loss valuation on your behalf.

Umpire Services We serve as the neutral umpire when needed. Impartial review and determination of disputed loss values.

Expert Witness Professional testimony on property damage valuation when disputes proceed beyond appraisal.

What Appraisal Determines

Appraisal addresses:

• Amount of loss

• Cost to repair damaged property

• Replacement cost values

• Actual cash value calculations

Appraisal does NOT address:

• Whether your policy covers the loss

• Coverage exclusions or limitations

• Policy interpretation questions

When You Need Appraisal

• Insurance company acknowledges coverage but disputes the cost

• Disagreement is specifically about damage valuation

• Your insurance company invokes appraisal

• You want binding resolution faster than litigation

How Fees Work

Each party pays their own appraiser. Umpire fees are typically split between both parties. Fees may be hourly or flat rate depending on claim complexity.

Contact us for a fee quote specific to your appraisal.