Choosing the right appraiser is one of the most important decisions in the appraisal process, since this person will represent your side’s independent evaluation of the disputed loss. A few core factors are worth weighing carefully before making a selection.
Experience with the specific type of property and type of loss involved matters a great deal. An appraiser who regularly works commercial roof claims brings different strengths than one who focuses on residential water damage, so matching experience to your claim type is a good starting point.
Look for a track record of working appraisal claims specifically, not just general insurance adjusting or contracting. The appraisal process has its own procedures and expectations, and familiarity with it helps the process run smoothly.
Ask about credentials, licenses, and any relevant certifications. Many appraisers hold state contractor licenses, industry certifications, or specialized training related to the types of damage they evaluate.
Consider communication style as well. You will likely be in contact with your appraiser throughout the process, so someone who explains things clearly and keeps you updated can make a real difference in your experience.
Finally, ask directly about fee structure and availability before committing, so there are no surprises once the process is underway.
This article is general education about how the appraisal process commonly works. It is not legal advice, and specific procedures can vary by state and policy. If you have questions about your own claim, review your policy language and talk with your insurance company, agent, or an attorney familiar with your state’s laws.
Russ Lis is a working property insurance appraiser and umpire based in Minnesota, serving clients nationwide. Have a question about your own claim? Contact Appraisal Resolution.