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What Is the Insurance Appraisal Clause & Why It Matters

admin / September 18, 2025

The appraisal clause in your insurance policy can be the key to resolving disputes with your insurance company. Here’s how it works and why homeowners should know about it.

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1. What is an Appraisal?

An Appraisal occurs when a customer executes the right to dispute the damages the insurance company estimated for their loss. If you wrote a fair estimate and the insurance company’s estimate excludes a lot of damages, your customer may want to invoke Appraisal to help resolve the differences.

2. How does the customer invoke the Appraisal Clause?

To invoke the appraisal process, you will need to send a written demand for Appraisal to your insurance company. This demand should include a clear description of each item of damaged property for which the value is in dispute.

3. How can I help the customer determine what might qualify for Appraisal?

There are many different scenarios that might induce a customer to pursue appraisal. Here are just a few:

The insurance company provided an estimate that you are having to supplement with multiple line items that they missed or that the carrier won’t consider.
The insurance company’s estimate did not include Overhead & Profit or Base Service Charges and there are multiple trades involved that the carrier won’t consider for supplemental inclusion.
In a completed repair, job items were missed by the insurance adjuster, the customer may still be able to invoke appraisal.
The insurance company used their own pricing to estimate the damage. For example, in a situation in which the insurance company used a one-line item, unit price for roofing and didn’t break it out, the customer may consider invoking Appraisal.

There are many more scenarios that may apply. It is in your customer’s best interest to have us review their circumstances.

4. What constitutes a "clear description of each item of damaged property for which the value is in dispute"?

The cost of an appraisal can vary depending on the specific circumstances of your claim, but it generally ranges from $1,000 to $2,000.
We want to assure you that we are transparent about our fees, and this cost should not deter you from exploring the Appraisal process. We are happy to provide you with a free, professional opinion on the potential outcome of your Appraisal. This will help you determine if pursuing it is an economically feasible option for your situation.

5. What’s next?

Contact us for a free initial evaluation of your customer’s dispute with their insurance company. After reviewing the information, we will provide our honest opinion whether an Appraisal is in your customer’s best interest. If the customer proceeds with the Appraisal, we will guide you and your customer through the entire process, keeping you fully informed at every step.

6. Want more information?

We have included a informational brochure , Insurance Claim Appraisal, that goes into much more detail about the appraisal process. Feel free to print the pdf. version and give it your customer.

Let us help your customer receive a proper settlement for their damages!

We understand this may be a difficult decision for you. We want to ensure you have all the necessary information to feel confident in your choice. If you require additional information or have any questions that could assist you in your decision, please do not hesitate to contact us. We will gladly provide you with any further details you might need.

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What Is the Insurance Appraisal Clause & Why It Matters

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