 When you have property damage and file an insurance claim, there will often be a disagreement on the damages, the repair method, or the dollar amount of the damages.
Whether you own commercial or residential property, it’s important to resolve the claim promptly and efficiently. One way to do that is through appraisal. The appraisal process should be conducted in a professional and timely manner and can help avoid litigation and keep costs down for you and the insurance company. Hiring An Insurance Claim Appraiser When an insurance claim dispute arises and you cannot resolve the differences, some policies provide for an alternative dispute resolution such as appraisal. In that case, you will need to hire an experienced Appraiser to represent you during this process. In order the ensure that your appraiser understands your claim, you will need to provide him/her with all the documentation you have in support of your claim. This will include damage photos, videos, estimates, and any repair invoices. Hiring a professional Appraiser with the knowledge and experience to handle your type of property damage claim is important. Would you hire a contractor to complete your taxes? What To Expect During The Appraisal Process The appraisal process will begin with the opposing appraiser for the insurance company, and your appraiser scheduling an inspection at your property. They will each present their documentation to support their position on your claim and view and discuss the damages and repairs during their inspection. Once the inspection is completed, both appraisers will discuss the claim during a separate meeting or phone call and try to resolve the claim. If they are unable to do so, they will agree to request the services of an agreed-upon Umpire. Insurance Claim Umpire An insurance claim Umpire is an impartial 3rd party requested to assist in resolving the insurance claim dispute and provide an objective evaluation of the claim to facilitate a fair resolution of the claim. Besides being impartial, the umpire should not have too heavy a caseload, so a resolution of your claim can be reached in a timely manner. Who Pays The Umpire? The cost of the Umpire services is equally borne between the insurance company and the property owner. This way the cost is not a burden solely to one party. Karen Schiffmiller and Scott Scovin both have their Certified Property Insurance Appraiser & Umpire (CPAU) designations. They have handled many appraisals throughout their careers and pride themselves on their honesty and integrity. Whether you need help with a new, underpaid, or disputed insurance claim, we have the knowledge and experience. To find out how we can best serve you, call us at (561) 288-6434 or contact us here.
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