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Start with the dispute

What insurance appraisal does

Insurance appraisal is a policy-based process commonly used when the policyholder and insurer disagree about the amount of a covered property loss. Each side selects an appraiser, and the appraisers may select an umpire to resolve differences. Appraisal usually addresses valuation, not whether the policy provides coverage.

The controlling language is the appraisal provision in the issued policy. State law can change who may invoke appraisal, the deadlines, professional qualifications, and whether an award is binding. Review the policy and current state rules before sending a demand or hiring a professional.