PROPERTY INSURANCE APPRAISAL
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TWIN CITIES, MINNESOTA & NATIONWIDE
Important Information
Direct access to the pages our clients use most, covering every type of property damage we handle.
Resources Library
Is the Appraisal Process the Same in Every State
The basic concept of appraisal, resolving disputes over the dollar amount of a covered loss using two appraisers and a neutral umpire, is common across the country, but the specific rules and procedures involved are not identical from state to state. Some states...
Does Choosing Appraisal Mean You Cannot Trust Your Insurer
Some policyholders wonder whether invoking the appraisal clause implies a lack of trust in their insurance company, or whether it might negatively affect their relationship with their insurer going forward. This is a reasonable concern, but it is worth understanding...
Appraisal Terms Every Policyholder Should Know: A Glossary
The appraisal process comes with its own specific vocabulary, and having a general understanding of common terms can make the process much easier to follow. Here is a short glossary of terms that come up often. Appraisal clause: the provision within a property...
Do you have a dispute over a property insurance claim?
Appraisal Resolution is an independent appraiser and umpire focused on objective damage assessment and the fair resolution of property insurance claim disputes. Appraisal is a contract-based process, outlined in the policy’s appraisal clause, for resolving disagreements over the amount of a covered loss. We are based in Minneapolis, Minnesota and work nationwide.
What is Appraisal?
Appraisal is a policy provision found in the loss settlement section of a commercial or residential property insurance policy.
It is an alternate dispute resolution which can resolve disagreement when the insurer and insured do not agree on the amount of loss. It is an alternative to a lawsuit. Appraisal does not address coverage issues but can include or exclude items based on causation depending on the state. Once the appraisal clause/provision is invoked, the insured’s appraiser and the insurance carrier’s appraiser will estimate the damage and try to come to an agreement on the amount of loss. If the appraisers fail to agree, they will submit their differences to the umpire. An itemized decision agreed to by two of these three will set the amount of loss. Such award shall be binding.
Each party will pay its own appraiser and bear the other expenses of the appraisal and umpire equally.
If you are looking for a fair and reasonable Appraiser and Umpire please reach out to us today to learn more.
A fair process ends with a resolution both sides can accept.
“Something can be learned from every appraisal you work on.”
— Russ Lis
Appraiser and Umpire Services
Two distinct roles, one standard: strict neutrality, full independence, and no financial interest in the outcome of any award. From smaller residential losses to multi million dollar commercial properties, every file gets the same disciplined process.
Appraiser Services
Retained by policyholders or insurance carriers to independently evaluate the amount of a covered loss. Every evaluation is grounded in the building, the damage, the documentation, and applicable construction and industry standards, using Xactimate and other estimating platforms daily, backed by more than two decades of hands on construction and restoration experience. We are not advocates. We form our own independent opinion and go from there. Request appraiser services
Umpire Services
Retained by the two party appointed appraisers when they cannot agree. Both appraisers receive the same access, the same questions, and the same time and attention, and the final decision follows what the evidence actually supports. Listening comes first, ethics are not negotiable, and once any two of the three sign the award, the matter is decided, which is why choosing the right umpire matters. Appraisers on the policyholder side and the carrier side alike retain Appraisal Resolution for exactly that reason. Request umpire services
ALL PERILS INCLUDING FIRE, SMOKE, WATER, HAIL, WIND, HURRICANE, & BUSINESS INTERRUPTION
OBJECTIVE APPRAISER ENGAGEMENTS NATIONWIDE
NEUTRAL UMPIRE APPOINTMENT FOR APPRAISERS
