Appraisals
What Is An Insurance Appraisal?
An insurance appraisal is a policy-based process used to resolve disagreements over the amount of loss. It is not a coverage determination, but a structured method for establishing value when parties differ on scope or cost. The goal of appraisal is to reach a fair and defensible resolution grounded in facts and documentation.
Why Independent Appraisal Matters
An effective appraisal relies on objectivity, experience, and respect for the process. Independent appraisal helps reduce emotion, limit escalation, and bring clarity to complex claims. When handled correctly, it supports fair outcomes and allows all parties to move forward with confidence.
When Appraisal is Appropriate
Appraisal is typically appropriate when the insurer and the policyholder agree that a loss is covered but cannot agree on the value of the damage. It is often used when negotiations stall or when differing methodologies prevent resolution. Invoking appraisal allows the claim to move forward within a defined framework rather than remaining at an impass.
Appraisal Process Explained
Step 1:
Appraiser Appointment
Each party appoints an appraiser to independently evaluate the loss and attempt to reach agreement on the amount of loss.
Step 2:
Umpire Engagement
If the appraisers are unable to reach agreement, an impartial umpire is engaged to review the disputed differences and assist in resolving the matter.
Step 3:
Resolution
eXcell Forensics serves in both appraiser and umpire roles, always with a commitment to objectivity and respect for the appraisal process. Our focus is on supporting efficient resolution without unnecessary escalation.
Who We Work With
eXcell Forensics works with insurance carriers, public adjusters, attorneys, and property owners involved in appraisal matters. Our role is to serve as an independent, experienced presence that respects the process and supports outcomes that hold up under scrutiny. We are most often engaged on complex commercial claims, while also supporting residential matters when appropriate.