Trusted Texas Insurance Appraisals
We help Texas homeowners and businesses challenge unfair insurance valuations through the insurance appraisal process
What Is an Insurance Appraisal and Why It Matters?
An insurance appraisal is a formal dispute resolution process that allows a policyholder to challenge their insurance company’s valuation of a loss.
When Should You Request an
Insurance Appraisal?
Your insurance company underestimates the cost of damages.
There is a dispute over your property’s extent of loss.
Most homeowners and commercial insurance policies include an “appraisal clause.” This clause allows you (the policyholder) and the insurance company to each hire an independent appraiser to determine the fair value of the damage. If both appraisers cannot agree, an umpire is appointed.
We provide independent, professional insurance appraisals. Schedule a Free Consultation Now!
How It Works – The Insurance Appraisal Process
1
Review appraisal clause and submit demand estimate to insurance company
Before initiating the appraisal process, policyholders should review their insurance policy to confirm the presence of an appraisal clause. Additionally, they should obtain a detailed demand estimate outlining the full scope and cost of the loss to present to the insurance company. This ensures a clear starting point for the dispute and helps justify the need for an independent appraisal.
2
The Policyholder or Carrir Invokes the Appraisal Clause
📜 The policyholder (you) must submit a written request to invoke the appraisal clause in your policy and submit a demand estimate to the insurance company.
📝 This is typically done when the insurance company undervalues the loss.
3
Selecting Independent Appraisers
🏢 Your insurance company will also appoint their own appraiser. ⚖We will schedule an inspection to assess the loss and determine the value of the loss
4
On-Site Inspection & Valuation
🔍 An appraiser conducts a thorough inspection, including:
- Measuring property dimensions and evaluating materials.
- Assessing damage
- Reviewing current repair and replacement costs.
- Taking high-resolution photos and gathering evidence.
📊 We then research the market, compare data, and provide a fair and well-documented valuation of the loss.
5
Selecting Independent Appraisers
📑 Both appraisers exchange their assessments and attempt to agree on a fair value.
⚖ Both appraisers discuss each others estimates or scope to reach an agreement
📜 If they cannot agree, they select a neutral umpire to make the decision.
6
Umpire Resolution (If Necessary)
🤝 If the two appraisers disagree, they present their reports to the umpire.
📢 The umpire reviews both assessments and makes a decision on the loss value.
We do not handle coverage dispute
The appraisal process strictly determines the value of the loss, not whether a claim is covered under the policy. Coverage issues (such as exclusions, policy limits, or whether damage is caused by a covered peril) must be resolved through negotiation with the insurer, mediation, arbitration, or legal action.
What we do
We focus solely on the fair and accurate valuation of the appraisal. Our role is to independently assess the damage, review relevant repair or replacement costs, and ensure that the policyholder receives a properly justified review/scope based on the actual loss value.