Property insurance appraisal involves both general principles that apply broadly and specific rules that vary by state, and appraisers who have worked claims across multiple states often bring a useful, broader perspective to a local claim.
Exposure to a range of state specific rules and procedures can help an appraiser recognize patterns and approaches that may be relevant to a specific claim, even when the immediate work is happening in just one location.
Experience across different types of perils and property types, gained from working in different regions with different common risks, such as hurricanes, hail, or wildfire, can add depth to an appraiser’s overall evaluation skills.
At the same time, local knowledge remains important, since building codes, contractor availability, and regional cost factors can all affect a specific claim, meaning nationwide experience works best when combined with attention to the details of the specific local claim.
Ultimately, a broad base of experience across many claims and jurisdictions can support a more thorough, well informed evaluation, while still requiring careful attention to the specific facts and local context of each individual claim.
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.