The appraisal process is generally designed to support fair claims handling by providing a structured, neutral way to resolve genuine disagreements over the dollar amount of a covered loss.
Because both the policyholder and the carrier have the right to invoke appraisal, and each side selects its own independent appraiser, the process is generally built to give both parties a meaningful role in reaching a fair outcome.
The involvement of a neutral umpire, when the two appraisers disagree, adds an additional layer intended to help ensure the final figure reflects a genuinely balanced evaluation rather than favoring either side.
Detailed documentation and independent inspection by both appraisers generally support a thorough, evidence based process, which helps both parties trust that the resulting figure reflects the actual facts of the loss.
By focusing narrowly on the disputed dollar amount and relying on independent, qualified appraisers, the appraisal process is generally intended to provide a fair, efficient path to resolution that serves both policyholders and carriers.
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 a specific claim, review your policy language and talk with your insurance company 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.