The Appraisal Process

Appraisal is a settlement option written into most property insurance contracts, yet many policyholders and even contractors are unfamiliar with how it works. In its simplest form, appraisal is a way to resolve disputes about the amount of loss without resorting to litigation.

Once appraisal is invokeed, each party selects an appraiser, and those appraisers work together to reach an agreement. If they cannot, they select a neutral umpire who reviews both sides and issues a binding decision. This process is usually far faster and less expensive than going to court, allowing claims to move forward efficiently.

For a deeper dive, you can read our blog on resolving insurance claims through appraisal. We’ve also included a short video below that walks through the appraisal process step by step.

When Appraisal Is Appropriate

Appraisal is generally best suited for disputes where coverage is not in question, but the value of damages is. Common situations include:

• Underpaid claims where the scope of damage is contested

• Large gaps between contractor estimates and the carrier’s valuation

• Stalled negotiations after repeated attempts to settle

Our Role in the Process

As Your Appraiser
We represent the insured’s position, prepare a fully supported valuation, and advocate for the best possible settlement outcome. Our knowledge of policy language, estimating practices, and construction costs allows us to build strong, evidence-based cases. In some instances, if VIP Adjusting is already retained as your Public Adjuster, certain policies allow us to also serve as your appraiser, giving you continuity and consistency throughout the process.

As a Neutral Umpire
We act impartially, reviewing both appraiser’s submissions, conducting property inspections if needed, and issuing fair, unbiased decisions based solely on the evidence and policy terms. Our role is to ensure the process remains credible, efficient, and respected by both parties.

The VIP Difference

What sets VIP Adjusting apart is our blend of experience, certification, and professionalism. Our team includes WIND Certified Appraisers and WIND Certified Umpires, designations that reflect recognized industry standards and a proven commitment to fairness.

As appraisers, we work tirelessly to protect policyholder’s interests and ensure they receive what they are owed. As umpires, we bring impartiality and credibility to every case, ensuring all decisions are made with transparency and integrity. In either role, we communicate clearly, act promptly, and keep the process moving toward resolution.

Appraisal often delivers results in weeks or months rather than years, saving time, money, and stress for everyone involved. Whether you are a policyholder, contractor, attorney, or another professional in need of experienced representation, VIP Adjusting is equipped to step in and help secure a fair resolution.

Request Appraisal or Umpire Services

If you’re involved in a property insurance dispute and need an experienced appraiser or a neutral umpire, VIP Adjusting is here to help. Complete the form below to connect with our team, and a licensed professional will reach out to discuss your case and guide you through the process.