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 not impartial because they represent the insurance company and receive work from the insurance company daily..
The next step would be to choose an umpire that is unbiased and neutral. If both sides are unable to agree on an umpire, a court ordered appraiser may be chosen, and in some instances a retired judge will act as the umpire. We make sure the umpire that is chosen is not on some sleazy list kept by the insurance companies. Here we are trying to combat against appraisers that award mostly in favor of the Insurance companies’ decision. The umpire is used if the two appraisers are unable to decide on the total damage amount. United States Adjusters has established relationships already 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 " - umpires that award settlements that favor the insurance company and not what is fair and impartial.
At United States Adjusters, our insurance 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 be 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 needed 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 Adjusters we have experienced national public adjusters like no others. There are insurance appraisers that advertise about knowledge of insurance appraisals but lack the skill 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. At United States Adjusters we have you covered with the right public adjuster, insurance appraiser, and loss consultant for your needs. Contact our national public adjusters, appraisers and consultants today.