We are frequently retained as appraisers under the terms of your policy when you realize your claim was underpaid.

Most policyholders don't even know that their policy contains this typical Appraisal Clause.

APPRAISAL - If you and we fail to agree on the amount of loss, either one can demand that the amount of the loss be set by appraisal. If either makes a written demand for appraisal, each shall select a competent, independent appraiser. Each shall notify the other of the appraiser's identity within 20 days of receipt of the written demand. The two appraisers shall then select a competent, impartial umpire. If the two appraisers are unable to agree upon an umpire within 15 days, you or we can ask a judge of a court of record in the state where the residence premises is located to select an umpire. The appraisers shall then set the amount of the loss. If the appraisers fail to agree within a reasonable time, they shall submit their differences to the umpire. Written agreement signed by any two of these three shall set the amount of the loss.

Now you should keep in mind that not all policies are the same and you should refer to your own copy of the policy to see how your appraisal clause appears.

Don't get hurt twice, once by the claim, then by the claim settlement.

If you feel you were underpaid, and need to utilize the appraisal clause, call us today so we can review your claim and invoke the appraisal clause.