1. Overview of the Appraisal Process

The appraisal process is used to resolve disagreements about the amount of loss. It does not determine coverage or liability.

Each party involved in the claim selects a competent and impartial appraiser. A neutral umpire is typically selected early in the process.

If the appraisers are unable to agree, the umpire will step in to review both positions and assist in reaching a final decision.

Once any two of the three parties (both appraisers, or one appraiser and the umpire) agree on the amount of loss, that amount becomes binding under the terms of the policy, subject to policy provisions and any applicable coverage determinations.

Depending on the situation, the umpire may incur fees whether involved early or later in the process. Fee structures and involvement will be discussed in advance so all parties understand potential costs.

2. Communication Expectations

We will provide updates by email regarding document requests and key milestones.

Timely responses will help keep the process moving efficiently.

If you have questions at any time, please reach out.

3. Inspection & Site Access

Please ensure safe and reasonable access to the property for inspection.

If special arrangements are required, appropriate coordination should be made in advance.

Please note: We are not responsible for pre-existing hazards or unsafe conditions. While reasonable precautions are taken during inspections, responsibility for site safety remains with the property owner.

4. Next Steps & Timeline

Once appraisers are appointed, the file will be reviewed and the necessary inspections or meetings will be coordinated.

If the appraisers reach an agreement, the process concludes at that stage.

If an agreement cannot be reached, the umpire will become involved to assist in resolving the dispute.

Timelines may vary depending on scheduling, weather, and complexity, but updates will be provided throughout the process.

The Appraisal Process & Your Role

If you have any questions or need further clarification, please reach out to us.
We look forward to assisting you!