Contractors and estimators often play an important supporting role in the appraisal process, providing expertise and documentation that helps inform the appraisers’ evaluation of a disputed claim.
Contractors familiar with the specific type of repair work involved, such as roofing, water damage restoration, or structural repair, can provide valuable insight into the actual scope and cost of the necessary work.
Estimators, whether working independently or as part of a contracting company, often prepare the detailed, itemized estimates that appraisers rely on as part of their evaluation.
In more complex claims, appraisers may consult with specialized contractors or estimators to better understand technical aspects of the damage or repair process that fall outside their own direct expertise.
While contractors and estimators provide valuable expertise and documentation, the appraisers themselves, and the umpire if involved, are ultimately responsible for evaluating the evidence and reaching the final appraisal award.
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.