PUBLIC ADJUSTER BOCA RATON | RELIANT INSURANCE ADJUSTERS

  • Home
  • About Us
    • FAQ's
    • Meet the Team
    • Our Mission
    • Feedback
  • Professional Services
    • Property Damage
    • Appraisal Services
    • Umpire Services
    • Pre-Loss Inspections
    • Estimating Services
    • Public Adjuster
    • Insurance Adjuster
    • Independent Adjuster
  • Testimonials
  • Claim Tips
    • Articles
    • Checklists
  • Reliant Blog
  • Contact Us
  • Home
  • About Us
    • FAQ's
    • Meet the Team
    • Our Mission
    • Feedback
  • Professional Services
    • Property Damage
    • Appraisal Services
    • Umpire Services
    • Pre-Loss Inspections
    • Estimating Services
    • Public Adjuster
    • Insurance Adjuster
    • Independent Adjuster
  • Testimonials
  • Claim Tips
    • Articles
    • Checklists
  • Reliant Blog
  • Contact Us

Reliant Blog

Alternative Claim Dispute

1/5/2021

3 Comments

 
Picture

The Difference Between an Insurance Claims Appraiser and an Insurance Claims Umpire

When you make an insurance claim, you always hope that things will go smoothly. Ideally, you would file your claim, an insurance adjuster would inspect the damage and write an estimate for the cost of repairs. You would then receive the amount needed to repair your damaged property.
 
Unfortunately, it doesn't always work this way. An insurance adjuster may not always agree with the policyholder as to the value of the claim. Sometimes the amount offered by the insurance company might be significantly lower than what the policyholder making a claim might have expected. In some cases, your policy will have an alternative dispute resolution process where you can dispute the claim and try to get the insurance company to pay more for your damages.
 
If there's a dispute over an insurance claim, there are various ways to resolve the situation. One way to move forward is to invoke the appraisal clause in the insurance policy. In this example, both the policyholder and the insurance company designate an individual to serve as their appraiser for the claim.  Both appraisers meet at the property to inspect the damages and discuss the differences between the two estimates and try to come to an agreement.  If they are unable to do so, a third party called an umpire, is called in to make a final decision and resolve the dispute.
 
The umpire must be competent to make such a decision, with in-depth knowledge of property dispute resolutions, which relate to the kind of claim being disputed. The umpire must also be disinterested and impartial and not be connected in any way to either the insurance company or the policyholder who is making the claim.  The insurance claims umpire will meet both appraisers at the property and listen to both of their positions on why they feel they are correct.
 
The umpire will then render a decision which is binding and final.  Both the policyholder and the insurance company have to accept the result. That is why it is important to choose an expert insurance claims appraiser, and if needed, an umpire who can make a fair claims settlement.
 
We are Certified Insurance Appraisers and Umpires (CPIAU) and have the knowledge and expertise having handled many claims dispute resolutions throughout our careers.
3 Comments
Taylor Hicken link
6/22/2021 05:06:39 am

I appreciated it when you shared that an insurance adjuster will inspect the damage and write an estimate for the cost of repairs once you have filed for an insurance claim. My friend just mentioned the other day that she needs to file for an insurance claim as her house was badly damaged due to flooding. I will suggest to her hiring a reliable public adjuster who can inspect and provide the cost estimate.

Reply
Mia Evans link
1/4/2022 03:24:28 am

Thanks for pointing out that an insurance damage expert is important to ensure that the claims would be fair for the policyholder. I will share this tip with my dad now that he plans to get his new property covered this year before he moves into it. Their services will definitely give him the assurance that he will be getting the compensation he needs once there are disasters that might affect him in the future.

Reply
lihabi link
6/27/2022 10:41:34 pm

thanks for the information, very inspiring

Reply



Leave a Reply.

    Author

    Karen Schiffmiller

    CALL US:
    561-288-6434

    Reliantpa.com

    Archives

    March 2023
    February 2023
    January 2023
    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019

    Categories

    All
    Independent Adjuster
    Insurance Adjuster
    Public Adjuster

    RSS Feed

Proud Members

Picture
Picture
Picture

Opt Out Cookies
​Terms of use 
Privacy Policy
​
RELIANT INSURANCE ADJUSTERS LLC
Karen Renée Schiffmiller Lic #P031839
Scott David Scovin Lic #P120375
Firm License #W805811

HEADQUARTERS
​
7777 Glades Road, Suite 100
Boca Raton, FL 33434
561-288-6434
​© 2021 Reliant Insurance Adjusters LLC, All Rights Reserved.