Insurance Appraisal Services
Using Advocate Claims Public Adjusters for Appraisal is Your Best Decision for Insurance Claim Dispute Resolution!
Are you unhappy with your insurance claim offer? Do you have a dispute with your insurance company for a settlement that is less than you think it should be? Most insurance policies allow the policyholder to dispute their insurance claim settlement. Let us handle your dispute resolution.
Don’t be intimidated by your Insurance Company. Understand that the Insurance Adjuster they send out works for them – the insurance company, and not for you!
If you believe you have a substantial claim to reopen, Appraisal is the door to open and to do this you need to hire an expert in claims evaluation.
Advocate Claims Public Adjusters is your professional advocate and appraisal specialist, who is knowledgeable in working with insurance companies, understands the language in insurance policies, and is an expert in estimating construction and building repair damages related to hurricanes, fires, and other covered insurance perils.
A professional Appraiser will help you effectively document the full extent of your claim (building damages, content damages, and additional living expenses). Plus, fully represent your rights against the insurance company’s appraisers.
Watch here for a quick explanation of the insurance appraisal process!
Here is how the typical policy language about appraisal/dispute resolution is written.
A policy will usually contain the following provisions:
- If we fail to agree on the actual cash value, amount of loss, or cost of repair or replacement, either the insurance company or the insured policyholder can make a written demand for appraisal.
- Each will then select a competent, independent appraiser and notify the other of the appraiser’s identity within 20 days of receipt of the written demand.
- Then, the two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, the insurance company or the insured policyholder may request that the choice be made by a judge of a district court of a judicial district where the loss occurred.
- The two appraisers will then set the amount of loss, stating separately the actual cash value and loss of each item.
- If the appraisers fail to agree, they will submit their differences to the umpire.
- An itemized decision agreed to by any two of these three (i.e., the appraiser, the umpire, the policyholder) and filed with the insurance company will set the amount of loss. Such award shall be binding on the insured policyholder and the insurance company.
- Each party (the insurance company and the insured policyholder) will pay its own appraiser and bear the other expenses of the appraisal and umpire equally.