Maximize Your Property Insurance Appraisal with Expert Public Adjusters
Your insurance policy likely includes an Appraisal Clause, giving you the option to step away from your insurance company’s adjuster and bring in a neutral expert to evaluate your loss. This clause puts you in control, but handling the process can feel overwhelming.
Our public adjusters are your strongest advocates during the appraisal process, making sure your claim is valued accurately and fairly.
What is a Property Insurance Appraisal?
The Appraisal Clause gives you a way to get fair compensation when your insurance company delays or undervalues your claim. Unlike real estate appraisals, it lets you challenge the insurance company's assessment with an unbiased review. This clause takes control away from the insurer, ensuring your claim gets the attention it deserves and helping you determine the true value of your property’s damage.

The Appraisal Process
When you and your insurance company disagree on the actual cash value or the amount of loss, the appraisal process provides a resolution. Here’s how it works:
- Either party can trigger the homeowner’s insurance appraisal clause through a written request.
- Each side selects an appraiser within 20 days, and together they choose an umpire. If they can't agree, a judge appoints one.
- The process is informal, with no depositions or court reporters.
- The appraisers assess the loss and submit disagreements to the umpire. A decision is made when two of the three – either both appraisers or one and the umpire – agree.
- Each side pays for its appraiser, with costs for the umpire and other expenses split equally.
- During a government-declared disaster, either party can request the property insurance appraisal, but it’s not mandatory.
This process gives you a clear, efficient path to claim resolution. No courtroom drama interrupts your recovery. No endless negotiations drain your energy. You receive a fair, comprehensive assessment of your property's true damage value.
How Claims XP Maximizes Your Appraisal Outcome
Most homeowners walk into the process of an insurance appraisal clause blind:
- Carriers understand every policy loophole
- Complex damage requires specialized documentation
- Technical assessments require deep industry knowledge
Your potential recovery hangs in the balance of professional expertise.
Our property adjusters make the insurance appraisal process work for you, making sure every dollar of damage is accounted for and no coverage is overlooked. We:
- Simplify insurance policies, making sure you understand your rights with no hidden clauses.
- Account for every detail, from structural repairs to hidden damages.
- Negotiate for the highest settlement, handling all insurer communications.
- Deliver results you can trust, with over 10,000 claims resolved and recoveries 10x to 1000x higher than initial offers.
- Stand by you in appeals, contesting decisions to make sure you never settle for less.
Your insurance company has professionals on their side. You should too. Let our public adjusters handle the complexities while you focus on rebuilding with confidence. Contact us today.
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