Before submitting a request:Confirm you have a detailed repair estimate with your contractor of choice. Prepare and sign your written appraisal request, naming complete claims management. Send the request via email to your insurance company along with the contractor's estimate and share a copy with us to begin.

Insurance may ask for a notarized proof of loss or a new inspection by another adjuster or engineer before they accept the appraisal request. If not - they will send over a letter accepting your appraisal request and naming their chosen appraiser. Insurance has 20 business days to select their appraiser after appraisal request has been submitted.

The Two appraisers attempt to select a neutral umpire to resolve the dispute. If they cannot agree on an umpire, a court may appoint one to provide a final decision.

Once an umpire is selected, the panel will come to an agreed inspection date and will meet at your property.

After reviewing all submissions, the panel will make a private determination. An agreement by any two of the three, sets the final value of the loss.

Panel will issue an appraisal award to the insured and the insurance company. Each party pays their own appraiser and the umpire's fee is split evenly. The appraisal decision is binding as to the amount of loss.