Disagreements between appraisers often come down to specific line items within a repair estimate, rather than a single overall number, and understanding how these disagreements are typically resolved can help clarify the appraisal process.
The two appraisers generally begin by comparing their respective estimates side by side, identifying the specific items where their figures differ, whether that involves scope of work, quantities, or pricing.
For many line items, appraisers are often able to reach agreement directly by discussing their reasoning and reviewing supporting documentation, narrowing the disputed items down to a smaller list.
For items that remain in dispute after direct discussion, the umpire typically reviews the specific evidence and reasoning behind each appraiser’s position on that particular line item, rather than reevaluating the entire estimate from scratch.
This line item approach allows the appraisal process to focus efficiently on the genuine points of disagreement, rather than reworking every part of the estimate, even the parts both appraisers already agree on.
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.