If you have the insurance appraisal provision in your insurance policy you have the right to go to "Appraisal"
When homeowners or business owners are unable to agree with the settlement offer from their insurance company it’s time to invoke the appraisal clause.
What is an insurance appraiser and what do they do?
Your insurance appraisal clause reads something like this: If you or we fail to agree on the amount of damage, either the insurance company or the insured (you) can demand appraisal. At that time each side selects a competent, disinterested appraiser (At this point you would hire United States Adjusters because we are impartial, the insurance companies appraiser is impartial, or he or she (BECAUSE THEY REPRESENTS THEM AND GETS WORK FROM THEM DAILY, SO HOW IS THAT IMPARTIAL???!!).
The next step would be to choose an umpire that is unbiased and neutral, and if they are unable to agree a court ordered appraiser may be chosen, in some instances a retired judge will act as the umpire - We make sure the Umpire that is chosen is not on some sleezy list the insurance companies appraisers that award mostly in favor of the Insurance company apprasiers decision. The umpire is used if the two appraisers are unable to decide on the total damage amount. United States Adjusters has established relationships all ready in place with unbiased umpires, relationships like these tend to be priceless for those worried about running into one sided insurance company favoritism by "Insurance Company Dogs, or hired guns " - who are umpires that award settlements that favor the insurance company and not what fair and impartial.
At United States Adjusters, our appraisers will review all of the necessary documents, declarations page, policy, estimates and determine the best course of action. There may be a need for experts to be hired such as a structural engineer or roofing expert. It must me noted that appraisal is not the time to determine coverage, its purpose is to only determine a definitive damage amount. We feel using experts when need can only assist in increasing the settlement in your favor.
It is our experience having appraised thousands of claims over the years that evoking the appraisal clause allows us a distinct advantage when it comes to being able to get the settlement the policyholder deserves, and allowing you to put the property back to pre-loss condition.
When hiring the right insurance appraiser you will want to hire an insurance claims expert such as a public adjuster that has a proven track record in the insurance appraisal arena, at United States Adjuster we have experience like no others. There are Insurance Apprasiers that advertise about knowledge of insurance appraisals but lack the skills set to even write an estimate or scope a loss, or even fully understand the insurance policy language and what you may be entitled to, but at US Adjusters we have you covered.