In cases where there is a dispute between the insurer and the insured regarding the value of a claim, an appraisal can help resolve the disagreement by providing an independent assessment. This process is typically outlined in the insurance policy's appraisal clause, which allows either party to request an appraisal to settle the dispute.

You have the freedom to select any impartial party of your choice to serve as an appraiser.

Two. Both the insurance carrier and the policyholder select an appraiser.

The two appraisers then select a third individual known as the umpire. The two appraisers and the umpire form what is referred to as the “panel”.

The exact process varies by state, but generally when any two of the three panel members agree on the claim amount, the caim is settled.

You will be responsible for the fees charged by your apraiser, as well as half of the fees charged by the umpire.

Unfortunately, I cannot assist with a claim before the appraisal process begins. Appraisers and umpires must remain impartial, and involvement in the claim prior to the appraisal could create bias and disqualify me from serving in these roles. However, I can refer you to firms that can assist you before the appraisal process starts.

Either the policyholder or the insurance carrier can initiate the appraisal process.

Generally, I provide services in Minnesota, Wisconsin, Iowa, and Illinois; however, I am able to travel further if needed. I have also handled insurance claims in Texas, Florida, Michigan, Kansas, Missouri and Kentucky.