Appraisal services

When the only argument left is the amount.

Most property policies include an appraisal clause for disputes over the dollar value of a covered loss. It's a structured way to settle the number without going to court, and we can serve as your appraiser.

Request an Inspection Call (254) 449-2054

Overview

How the appraisal clause works

Either side can request appraisal in writing when the disagreement is about the amount of the loss. Each side names its own appraiser, and the two appraisers choose a neutral umpire.

The appraisers try to agree on the value. Anything they can't agree on goes to the umpire. A written award signed by two of the three sets the amount of the loss. Appraisal settles value only; questions about whether something is covered stay with the carrier and, if needed, the courts.

What's included

An honest first lookWe review the claim and tell you whether appraisal fits your situation.
Appraiser representationWe serve as your named appraiser and build your side of the valuation.
Inspection and documentationOur drone inspection and claim file become the basis for the valuation.
Working with the other appraiserWe meet, compare scopes and work toward an agreed number.
Umpire proceedingsIf items remain in dispute, we present your side's position to the umpire.

What you receive

The appraisal process

Organized, labeled and ready to share with whoever needs it.

The appraisal processTypical sequence

01Written demand for appraisalStep 1

02Each side names an appraiserStep 2

03Appraisers select a neutral umpireStep 3

04Appraisers work toward agreementStep 4

05Award signed by any two of threeFinal

Your policy's appraisal clause controls the exact steps. Read it or ask us to walk through it with you.

Is appraisal the right fit?

Good fit: coverage accepted, amount disputed

The carrier agrees the damage is covered but the payment is far below repair cost.

Good fit: the gap justifies the cost

Appraisal has costs for both sides, so the difference should be large enough to matter.

Poor fit: the claim was denied

A full coverage denial is not a value dispute, and appraisal generally won't resolve it.

Poor fit: damage isn't documented

Without solid evidence of the damage, there's little to value. Start with an inspection.

Questions

About appraisal services

Have a question that isn't here? Call (254) 449-2054.

How much does appraisal cost?

Each side pays its own appraiser and typically splits the umpire's fee. We'll explain our fee structure before you commit to anything.

How long does appraisal take?

It depends on the size of the loss and how quickly the appraisers agree. Many residential appraisals resolve within a few months.

Is the appraisal award binding?

The award sets the amount of the loss under the policy. Your policy language controls the details, so review it carefully, and speak with an attorney if you have legal questions.

Related services

Storm roll through? Let's get eyes on it.

Tell us where the property is and where the claim stands. We'll call you within one business day to set up the inspection.