The value an appraiser brings to the process depends heavily on genuine independence, meaning their evaluation reflects the actual facts of the loss rather than pressure from whichever party is paying them.
Most appraisal clauses require appraisers to be competent and disinterested. Disinterested generally means the appraiser does not have a personal or financial stake in the outcome beyond the fee they are paid for their work.
A genuinely independent appraiser bases their valuation on the physical evidence, documentation, and applicable estimating standards, not on simply advocating for whatever number the hiring party hopes to receive.
Experience working appraisal claims for a range of clients over time, rather than exclusively for one type of client, can be one indicator of an appraiser who approaches each claim independently rather than as an advocate.
Ultimately, independence is something you can gauge by asking direct questions about an appraiser’s approach and track record, and by looking for a consistent, methodical process applied to every claim they handle.
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.