Question 1

What is the appraisal clause in my insurance policy?

Accepted Answer

It's a provision in most auto policies that gives you the right to demand a formal appraisal process when you and your insurer disagree on the amount of a loss. Instead of litigation, each side names an appraiser, and a neutral umpire resolves any disagreement between them. The outcome is binding on both parties.

Question 2

When should I invoke the appraisal clause?

Accepted Answer

When you've tried negotiating directly with your insurer and they won't move to a fair number, whether that's a total loss valuation, a diminished value claim, or a disputed repair estimate. It's a formal escalation, not a first step, but it's far faster and cheaper than a lawsuit.

Question 3

Is the outcome of an arbitration binding?

Accepted Answer

Yes. Once the appraisers agree, or the umpire rules, the decision is binding on both you and the insurer under the terms of your policy.

Question 4

Do I need a lawyer for this process?

Accepted Answer

No. The appraisal clause process was built specifically so policyholders don't need an attorney to get a fair resolution. You need a qualified appraiser representing your side, which is what we do.

Question 5

How long does this process take?

Accepted Answer

It varies by case complexity and how cooperative the insurer's appraiser is, but it's typically resolved in weeks to a few months, significantly faster than pursuing the same dispute through litigation.

Claims Resolution Arbitration

When you and your insurer can't agree on a number, the appraisal clause in your policy gives you a formal path to resolve it, without going to court.

Common Questions

What is the appraisal clause in my insurance policy?

When should I invoke the appraisal clause?

Is the outcome of an arbitration binding?

Do I need a lawyer for this process?

How long does this process take?

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