Project Description

Appraisal and Mediation Property Claim

Appraisal and Mediation Property Claim Disputes

Upon hearing that your insurance company will be paying for your claim, you welcome the news. But here’s the kicker – they’re not giving you the compensation you need to properly fix the damage. They will be paying you a much lower settlement. You’re dismayed. You thought the long wait was over. Now, you’re caught between just taking the insufficient payment and move-on, or continuing to fight for what you feel is a fair settlement. Because what’s there left to do? What are your options now?

Appraisal and Mediation May Be an Option for You

The good news is that there could be a better option for you if you feel your settlement was not enough to fix your damaged property. Our helpful licensed public adjusters at Home Damage Adjustment can discuss with you whether the appraisal and mediation process is something that might be an option for you.  Whatever situation you find yourself in, just talk to us and we’ll be happy to help you guide you through what your best options are for your specific situation.

Understanding the Appraisal and Mediation Process

The appraisal clause is a contractual process used to settle disputes between policyholders and insurance companies. Whether by design or not, insurance companies don’t always notify policyholders of their right to participate in this form to resolve property damage insurance claim disagreements.

If there is a disagreement in the amount of damage and appraisal becomes necessary, you or your insurance company may initiate the appraisal clause, which is usually done in writing. Unlike insurance mediation, the outcome of the insurance appraisal process is binding once an award is signed. However, not all insurance policies contain an appraisal clause.

The appraisal clause  may include the following language and is a good explanation of the process:

Appraisal – If you and we fail to agree on the amount of loss, either may demand that the amount of loss be set by Appraisal. If either makes a written demand for Appraisal, each shall select a competent independent appraiser.

Each shall notify the other of the appraiser’s identity within 20 days of the receipt of the written demand. The two appraisers shall then select a competent, impartial Umpire.

If the two appraisers are unable to agree upon an Umpire within 15 days, you or we can ask a judge of a court of record in the state where the residence is located to select an Umpire. The Appraiser shall then set the amount of the loss.

If the Appraisers fail to agree within a reasonable time, they shall submit their differences to the Umpire. Written agreement signed by any two of these three shall set the amount of the loss.


In the mediation process, the parties include you (the policyholder), the insurance company, and a neutral third party insurance mediator. The mediation process is usually quicker and cost-effective. Also, unlike the appraisal process, the outcome of mediation will not be binding. So, should you feel you’re not getting what you deserve after subjecting your claim to a mediation process, you still have other courses of action you can pursue.

It’s also important to let you know at this point that a mediation process is a pre-requisite to litigation. But of course, it doesn’t mean the ultimate result of mediation is going to court. There have been many cases wherein both parties came to an acceptable agreement in mediation stage without the need for litigation.

How Home Damage Adjustment Can Help You with Your Options.

Should you wish expert assistance in your appraisal and mediation property claim disputes process – don’t hesitate to contact us. We have a team of professionals ready to work with you closely, guide and assist you through  every step of the process. We will facilitate on your behalf to make the process go as smoothly as possible.

So give  us a call today, and we’ll work with you to begin your appraisal or mediation property claim disputes process. We are experienced in preparing and analyzing claim-related cases, studying your insurance policy in detail and assessing damages to get you the settlement you rightfully deserve.

Call us today at (855) 566-9687 and we will be happy to help you with a no obligation free damage assessment.

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