Once you have selected an appraiser, understanding generally what the working relationship looks like can help the process feel more predictable and less stressful.
Expect an initial conversation where your appraiser gathers background on your claim, including what has happened so far with your insurance company, what documentation already exists, and what the current disagreement involves.
Your appraiser will typically want to inspect the property directly, so plan for at least one site visit, and possibly more depending on the complexity of the loss.
Throughout the process, your appraiser should keep you reasonably informed of progress, including when they plan to exchange figures with the other side’s appraiser and when an umpire may become involved.
You can expect to be asked for documentation, such as prior estimates, photographs, and correspondence with your insurance company, so having these organized and ready to share helps move things along.
Your appraiser represents your side’s independent evaluation, but the overall goal of the process is a fair, well supported resolution of the disputed amount, not simply securing the highest possible number.
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.