When to Involve an Attorney Alongside Appraisal

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While appraisal itself is generally a process handled by appraisers and, if needed, an umpire rather than attorneys, there are situations where involving an attorney alongside the appraisal process can be worthwhile.

If there is any uncertainty about whether a dispute is truly about the dollar amount of a loss, versus a broader coverage question, an attorney can help clarify whether appraisal is even the appropriate process for the situation.

If concerns exist about how a claim has been handled more broadly, separate from the specific valuation dispute, an attorney can help evaluate whether other legal options might be relevant alongside or instead of appraisal.

For particularly large, complex, or high value claims, some policyholders choose to involve an attorney early to help review the policy, the appraisal clause specifically, and any state law considerations that might affect the process.

Because every situation is different, whether and when to involve an attorney is a personal decision best made based on the specific facts of the claim, ideally with input from a legal professional familiar with your state’s laws and your specific policy.

This article is general education, not legal advice, and rules can vary significantly by state and by policy. If you have questions about your own claim or your legal options, talk with the insurance company, agent, or an attorney familiar with your state’s laws.

Russ Lis works nationwide as a property insurance appraiser and umpire, based in Minnesota. Have a question about your own claim? Contact Appraisal Resolution.