Appraisal Consultation

Frequently Asked Questions

Frequently Asked Questions

Got questions about insurance appraisal or resolving a claim dispute? Here are answers to the most common concerns.

An insurance appraisal helps resolve disputes between a policyholder and an insurance company over the value of a claim. It involves independent appraisers who assess the damages, review the details, and determine a fair and accurate settlement amount.

An insurance adjuster works for the insurance company and decides your claim value. An insurance appraisal is a neutral process used to resolve disputes and reach a fair amount.

 
 
 

Not usually. Insurance appraisal is typically used for larger or disputed claims. For small claims, it may not be worth the time and cost unless there’s a significant disagreement.

Insurance appraisal handles property damage claims where there is a disagreement over the settlement value, such as fire, water, storm, wind, vandalism, or other covered loss disputes.

 
 
 

The cost varies depending on the claim, but typically ranges from $1,500 to $5,000 for your appraiser, and total costs (including both sides and an umpire) can go from $3,000 to $10,000+ for most cases.

For complex or large property claims, it can be higher depending on the damage and experts involved.

Yes. Insurance appraisal may still be possible if your claim was denied, especially if there is a dispute over coverage or damage valuation. It depends on your policy and the reason for the denial.

 
 
 

It usually takes a few weeks to a few months, depending on the complexity of the claim, the damage involved, and how quickly both parties agree on an appraiser and complete the evaluation.

 
 
 

No. Insurance appraisal is a standard process written into many insurance policies. It is a fair and legal way to resolve claim disputes and does not negatively impact your relationship with the insurance company.

 
 
 

You should contact an insurance appraisal service when there is a dispute with your insurance company over the value of your claim and you cannot reach a fair agreement through normal negotiation.