How the process generally works
Where a policy provides for it, each side may name an appraiser. The appraisers work to agree on the amount of loss. If they cannot agree, the policy may provide for an umpire to be selected, and a decision by a specified combination of those parties may be binding as to amount, according to the policy's own terms.
- Each party's appraiser and what that role involves
- Competing valuations and how they are documented
- The umpire process where the policy provides for one
- What is and is not submitted as amount of loss
- Deadlines and conditions in the policy language
Where the documentation work happens
Appraisal is still decided on estimates, measurements, scope, pricing, and reports. A position that is not documented does not improve because it moved into appraisal. Much of the useful work happens before anyone invokes anything.
When other professional review may be appropriate
Some disputes involve coverage interpretation, policy conditions, or deadlines where legal review may be appropriate. We are not a law firm and do not provide legal advice or legal conclusions. If your matter looks like it needs counsel, we will tell you plainly and can discuss referral options.
Ask us whether appraisal fits your situation.
Send the policy language, the estimates, and the correspondence. We'll explain what the documents indicate about the nature of the dispute.
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Important Information
White Rock Public Adjusting, LLC is not an insurance company, law firm, contractor, or carrier-affiliated entity, and does not provide legal advice. Services vary by claim type, jurisdiction, licensing requirements, and individual circumstances. No claim outcome is guaranteed. Licensed public adjusting is available in Texas and Florida, subject to the applicable claim, license, law, contract, and circumstances. Public adjusting services are provided only where White Rock and the applicable professional are properly licensed and legally authorized. Submitting information does not create a public-adjusting representation agreement.
White Rock PA accepts insurance claim consulting inquiries nationwide. Services vary by jurisdiction, claim type and scope of engagement. Public-adjusting and other regulated services are provided only through professionals properly licensed and legally authorized in the applicable jurisdiction. Certain services may be coordinated through independent licensed professionals.
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