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The insurance appraisal process for homeowner claims can provide relief when there is a dispute over your insurance claim’s valuation. Appraisal can be a viable option to settle a fire insurance claim, storm damage claim or any other insured loss type. Selecting an insurance appraiser will be the most important choice you make should you choose to invoke the appraisal clause. Because appraisal is legal and binding, the selection of an appraiser should be very carefully considered.

So what are the most important qualifications should you look for when choosing an independent insurance appraiser?

Documented Successes in the Appraisal Process & Claim Negotiation is Vital

You should look for specific experience and qualifications when selecting an appraiser to represent you during the appraisal process. Failure to choose a qualified insurance claim professional will likely mean the difference between having enough money to restore your property or not.

Here are some items that a qualified claim professional should demonstrate:

  • Documented success with substantiating and negotiating a multitude of insured property losses either through the appraisal process or the standard adjustment process. Experience should be presented with the appraisal process for fire insurance claims, water damage claims, storm damage claims and all other insured claim types.

  • Demonstrated experience in the valuation of damages as it relates to building costs and construction practices and procedures.

  • Experience documenting and substantiating personal property claims (contents, Coverage C).

  • Up-to-date knowledge of current and pending building codes and how that can relate to the valuation of structural damage.

  • Proficiency with Xactimate and Simsol, the estimation software used by insurance companies.

  • The ability to and examples of successful interpretation of policy language as it relates to settling a claim in the appraisal process and the standard claim adjusting process.

  • Established relationships with industry experts such as structural engineers, forensic certified public accountants, weather experts etc.

  • A multitude of references for settlements won both through the appraisal process and also through the standard claim adjustment process.

A Public Insurance Adjuster Can Be an Ideal Independent Appraiser

A public adjuster represents a claimant’s interests by documenting, substantiating and negotiating a maximized insurance claim settlement during the standard claim process. Due to this demonstrated skill, hiring a public adjuster to act as an appointed appraiser during the appraisal process can be a sound decision.

These claim adjusters likely have first-hand knowledge of the insurance appraisal process and know the players in the field. Like all professionals, not all public adjusters are created equal. If you’re considering hiring one to represent your homeowner insurance claim or business claim in the appraisal process then check and double check references.

Questions About How the Appraisal Process Works?

Insurance Claim Consultants is a public adjuster firm headquartered in Tampa and Houston but our services are available nationwide. Our insurance appraisers and public adjusters have successfully negotiated claim settlements on behalf of more than 10,000 claimants across the U.S. and internationally. We successfully provided strategic and successful appraisal services for many of those clients who needed help settling their fire insurance claims, water damage claims, and many other insured losses. Contact us 24/7 for more information about how the appraisal process works and if it’s a viable option for settling your claim. (800) 572-7914