Most appraisers work professionally and ethically, but it is still worth knowing a few signs that can help you evaluate whether someone is a good fit for your claim.
Be cautious of anyone unwilling to explain their fee structure clearly or put it in writing before starting work. Transparency about cost is a reasonable baseline expectation.
Be cautious of guarantees about a specific dollar outcome before an appraiser has even reviewed your claim in detail. A qualified appraiser bases their evaluation on the actual facts and documentation, not a number promised in advance.
Look for responsiveness during your initial conversations. If communication is difficult or slow before you have even hired someone, that pattern often continues once work begins.
Ask about direct appraisal experience specifically, since general contracting or adjusting experience alone does not necessarily translate into strong appraisal work.
Trust your overall impression as well. A good working relationship with your appraiser, built on clear communication and mutual understanding of the process, contributes meaningfully to a smoother experience.
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.