HOME / APPRAISAL PROCESS
A defined, policy-backed path out of an amount-of-loss deadlock — faster than litigation, decided on the damage and the numbers.
Start an Assignment See Umpire RoleMost property insurance policies contain an appraisal clause. When coverage isn't the fight — the loss is covered — but the two sides can't agree on how much, either party can invoke appraisal. It pulls the amount-of-loss dispute out of argument and into a structured process with a built-in tiebreaker, and it does it without a lawsuit.
Appraisal decides dollars, not coverage. Whether a loss is covered, how the policy is interpreted, and any bad-faith or legal question stay outside the appraisal panel. That line is what keeps the process fast and defensible.
1. Demand. Either the insured or the insurer invokes the appraisal clause in writing.
2. Appraisers named. Each side appoints a competent, independent appraiser. A conflict check is disclosed up front.
3. Inspection & estimating. Each appraiser evaluates the Memphis-area property — damages, repair scope, methodology, quantities, and pricing, backed by certified Xactimate estimating and, where needed, drone or thermal documentation.
4. Reconciliation. The two appraisers compare positions and resolve everything they can agree on.
5. Umpire on the remainder. Whatever is still disputed goes to a neutral umpire, who decides those items.
6. Award. Any two of the three signatures set the binding amount of loss.
As an independent appraiser, the advocacy is for accurate damages and proper repairs, never for the side that made the appointment. This practice does not provide public adjusting services, does not render coverage opinions, and does not provide legal advice.
Appraisal work addresses amount of loss only — damages, repair scope, methodology, quantities, and pricing.
Send the policy basics and where the numbers stand. A conflict check, CV, and fee schedule come back fast.
Start an Assignment