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What Is Insurance Appraisal?

Insurance appraisal is a process used when there’s a disagreement between an insurance company and a policyholder over the financial value of an insurance claim.

Both Sides Choose an Appraiser
The policyholder and the insurance company each hire an independent appraiser.
The Appraisers Choose an Umpire
Before the appraisal begins, the appraisers selects an umpire. The umpire is there to settle any differences the appraisers cannot agree on.
The Appraisers Access the Damage
The appraisers separately evaluate the damages, prepare their own cost evaluations and then try to agree on the cost of repairs.
Umpire Involvement (if needed)
If the two appraisers can't agree, they engage the umpire. The umpire reviews each appraisers position and presents an award to them. If either of the appraisers agree with the umpire, they may sign the award. If neither agree, it’s the umpire’s job to continue until finding a resolution.
Appraisal Award
The appraisal award is a document that defines the result of the appraisal. It sets the amount of the loss. Any two signatures (two appraisers or one appraiser and the umpire) constitutes a final award. In most states the award is binding on both the policyholder and insurance company.

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Resources

Access helpful resources, downloadable guides, and in-depth articles to help you
navigate the insurance appraisal process.

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Why InsuranceAppraisal.com?

Simplicity

Everything you need to handle insurance appraisals is only a click away on InsuranceAppraisal.Com.

Specialization

Access a network of specialized professionals. Connect with highly skilled and experienced appraisers and umpires who bring targeted expertise to every case.

Security

Peace of mind with secure transactions. InsuranceAppraisal.com provides a trusted environment where all financial dealings are protected through encrypted payment systems, ensuring a safe and secure exchange for all parties involved.

Speed

Experience swift and streamlined processing of your appraisal cases. From scheduling to resolution, our platform accelerates every step for rapid, efficient outcomes.

Client Testimonials

“I had no idea what I was doing and this website was a MASSIVE help navigating the appraisal process. I also found Scott who was an amazing appraiser to work with! 
Thank you, thank you, thank you.”
Julie M. - policyholder
“I had no idea what I was doing and this website was a MASSIVE help navigating the appraisal process. I also found Scott who was an amazing appraiser to work with!

Terrell R. - Policyholder
"Finding the right appraiser is usually tricky for my clients. What I appreciate is how easy it is for them to find appraisers with the necessary expertise and experience. I can easily share repair estimates and documents directly on the platform. It's simplified the process for everyone involved."
Henry J. - Contractor

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