1) Identify the Dispute
You and your insurer disagree on scope or price. Appraisal resolves the differences regarding the amount of loss—that’s it.
Fast, Fair, Finally.
We help reach a fair settlement—without the confusion and delay.
A Clear Path to Resolution
2) Each Side Picks an Appraiser
Both parties select a qualified appraiser. We act as your independent expert to evaluate scope and pricing.
3) Claim Review
Your appraiser reviews all claim documents, inspections, and photos, and gathers any additional information or expert reports needed to support an accurate valuation.
4) Agree or Go to an Umpire
Appraisers compare findings and work together to determine the proper value of the project. If they can’t agree, a neutral umpire is chosen to make the final call.
5) Binding Award
After both parties reach an agreement, the final award sets the amount of loss.
6) Resolution & Next Steps
Both parties agree to the settled amount, allowing the project to proceed based on the new scope of work.
Homeowners
- Plain-English explanations—no jargon. We make the process simple and accessible.
- Scope and pricing backed by building standards.
- Transparent process and timeline.
Appraisers
- Clear scopes with line-item rationale.
- Summaries that highlight scope differences.
- Industry-standard compliant documentation.
- Proficient in major estimating tools.
- Efficient communication to reduce cycle time.
Frequently Asked Questions
What is appraisal in an insurance claim?
When you and your insurer can’t agree on the amount of loss, each side selects an independent appraiser. The appraisers review the claim, gather evidence, and if needed involve a neutral umpire. It’s built to be fair, impartial, and faster than litigation.
Does appraisal decide coverage?
No—appraisal determines how much the loss is, not whether it’s covered. If there’s a coverage dispute, involve a licensed public adjuster before invoking appraisal.
How long does it take?
It varies by complexity and scheduling, but the structured process moves claims forward faster than open-ended negotiations.
What does AppraSure do for me?
We bridge the gap between construction expertise and insurance claim resolution. We scope accurately, price to real-world conditions, and back it up with clear, defensible documentation that meets industry standards.
