Professional Dispute Resolution
We provide experienced, neutral appraisers and umpires to resolve insurance claim valuation disputes through the formal appraisal process.
Neutral Appraisers
Experienced professionals serving as independent appraisers for policyholders or carriers
Umpire Services
Impartial dispute resolution when appraisers cannot reach agreement
Comprehensive Analysis
Thorough review of all claim documentation, estimates, and supporting evidence
Binding Decisions
Final determinations that resolve valuation disputes and move claims forward
What is the Appraisal Process?
Appraisal is a dispute resolution mechanism found in most property insurance policies. It provides a formal process for determining the amount of loss when the insured and carrier cannot agree on the value of the claim.
The appraisal process focuses solely on the amount of loss — not coverage questions or policy interpretation. It's faster and less expensive than litigation while providing a binding resolution.
"Appraisal is often the most efficient path to fair claim resolution when valuation disputes arise."
How Appraisal Works
Appraisal Invocation
Either party invokes the appraisal clause in the insurance policy, triggering the formal appraisal process.
Appraiser Selection
Each party selects their own competent and impartial appraiser. The two appraisers then select an umpire.
Evidence Submission
Both appraisers review all claim documentation, conduct independent assessments, and prepare detailed findings.
Appraiser Meeting
The two appraisers meet to compare findings and attempt to reach agreement on the amount of loss.
Umpire Decision (if needed)
If appraisers disagree, the umpire reviews both positions and makes the final binding determination.
Award Issued
A written appraisal award is issued, binding both parties to the determined valuation of the loss.
When to Consider Appraisal
Valuation Deadlock
Significant disagreement between insured and carrier on the cost to repair or replace damaged property
Large Loss Disputes
Complex commercial claims where precise valuation is critical to proper settlement
Settlement Impasse
Negotiations have stalled and both parties need an independent determination
Scope Differences
Disagreement on the extent of necessary repairs or replacement requirements
Independent Review
Need for neutral experts to evaluate competing estimates and methodologies
Avoiding Litigation
Seeking binding resolution without the time and expense of a lawsuit
The Benefits of Professional Appraisal
The appraisal process provides a structured, cost-effective alternative to litigation while ensuring fair, expert evaluation of claim valuations.
Faster resolution than litigation with lower costs
Neutral, independent evaluation of loss valuation
Binding decisions that end valuation disputes
Preserve business relationships between parties
Expert analysis from experienced construction professionals
Formal process that encourages fair settlements
Our Appraisal Qualifications
Construction Expertise
Our appraisers have decades of experience in construction, restoration, and property damage assessment. We understand building systems, materials, labor requirements, and accurate cost estimation.
Insurance Knowledge
Deep understanding of insurance policy language, coverage provisions, and claims handling procedures ensures effective representation in the appraisal process.
Neutral & Impartial
We serve as independent appraisers for both policyholders and carriers. As umpires, we provide completely neutral, unbiased determination of loss valuation based solely on the evidence.
Proven Track Record
Successfully resolved hundreds of appraisal matters ranging from residential fire losses to multi-million dollar commercial property claims nationwide.