How to Prepare for an Insurance Appraisal: A Step-by-Step Guide
When you and your insurance company can’t agree on the value of your claim, the appraisal process may be the best path forward. But going in unprepared can cost you valuable time and money.
This guide will walk you through everything you need to do to get ready for an appraisal, ensuring you’re fully equipped for a fair and successful outcome.
Step 1: Review Your Insurance Policy
Before invoking appraisal, check your policy for an appraisal clause. Look for key details such as:
✅ Who can invoke appraisal (you, the insurer, or both)
✅ The timeline for requesting it
✅ Specific rules or requirements in your state
Step 2: Gather Documentation
Strong evidence is essential for proving the true value of your loss. Be sure to collect:
📸 Photos & Videos – Take clear images of all damage before repairs begin.
📄 Estimates & Invoices – Get detailed estimates from licensed contractors with line-item breakdowns.
📑 Expert Reports – Engineer reports, moisture readings, and independent assessments can add credibility.
Step 3: Choose a Qualified Appraiser
The appraiser you choose will represent your interests, so it’s important to hire someone with:
✔ Experience in property damage valuation
✔ Knowledge of insurance policies and appraisal procedures
✔ A reputation for fair and unbiased assessments
Step 4: Understand the Costs
While appraisal is often cheaper than litigation, it still comes with expenses, including:
💰 Your appraiser’s fee
💰 Half of the umpire’s fee (if needed)
Step 5: Stay Involved in the Process
Your appraiser will handle most of the work, but staying informed can help ensure the best outcome.
✔ Ask for updates on negotiations
✔ Be prepared to provide additional documentation if needed
✔ Understand that the final appraisal award is binding
Final Thoughts
Proper preparation can make all the difference in an appraisal. By following these steps, you’ll strengthen your case and improve your chances of receiving a fair claim settlement.
Need guidance on the appraisal process? Contact us today to discuss your claim.