Plain-Language Summary
Appraisal is a policy process that can resolve certain amount-of-loss disputes when authorized. It does not decide every coverage question and is not the right path for every claim.
Action Checklist
- Confirm the policy includes appraisal language
- Identify whether the dispute is appropriate for appraisal
- Organize the evidence package before considering invocation
- Evaluate economics and timing
- Understand what appraisal does and does not decide
Illustrative Claim Examples
Hypothetical examples for education only. These are not case results.
- Parties agree coverage exists but disagree on repair vs. replacement pricing for documented storm damage.
- A coverage denial based on an excluded cause may be better suited for other paths than appraisal.
What This Does Not Mean
- Appraisal does not guarantee a higher award
- Not every underpaid claim should enter appraisal
- Appraisal is not a substitute for legal advice