Request an Appraisal Review
Not every disagreement belongs in appraisal
Not every disagreement belongs in appraisal. The disputed amount needs to justify the time and expense of the process.
One purpose of the initial review is to tell you when appraisal does not make economic sense.
That answer protects you. A clear no is better than a weak appraisal, and a strong file deserves to know why it fits before deadlines and costs build.
We typically respond by the next business day.
What the review decides
The review answers four questions:
- Does the policy contain an appraisal provision, and what does it require?
- Is the dispute mainly about the amount of a covered loss?
- Does the documented gap justify appraisal?
- What record, experts, and timing would the process require?
Appraisal primarily determines the amount of a covered loss, including disputed scope and repair valuation when those issues fall within the policy's appraisal provision. Pure coverage disputes remain outside the panel's authority.
Tell us where the claim stands
Where does the appraisal stand right now?
- No appraisal demand yet
- I am considering appraisal
- I demanded appraisal
- The insurer demanded appraisal
- Appraisers have been selected
- The panel is already underway
- Umpire issue
- Existing appraisal stalled
What we review before accepting an appraisal
Before accepting an assignment, Loss Recovery Experts reviews:
- The complete policy and endorsements.
- The appraisal provision.
- The insurer's estimate.
- Prior estimates and revisions.
- Expert and consultant reports.
- Payment letters and other claim correspondence.
- Photographs and inspection records.
- The current status of the dispute.
We want to understand the dispute before we agree to sit on the panel.
Send the record you have
Upload copies, never originals:
- Complete policy and declarations page.
- Appraisal demand, if one has been sent or received.
- Insurer's current estimate and prior versions.
- Payment, denial, and reservation letters.
- Contractor, engineer, roof consultant, or other expert reports.
- Photographs, videos, measurements, plans, and invoices.
- Rent roll, lease, booking, or financial records when income is part of the dispute.
- Any release or agreement already signed.
A partial file can still receive a useful answer. We will identify what is missing and whether it affects the appraisal decision.
Use the secure upload in this form. Do not email sensitive claim documents if the upload is available. The build requirements for encrypted transmission, encrypted storage, malware scanning, access control, retention, and deletion are in the design-build spec.
What happens next
- We confirm receipt.
- We read the appraisal provision before judging the estimates.
- We compare the valuation records and identify the true dispute.
- We respond with the appraisal fit, the economic fit, the likely record needs, and the next deadline.
- If the firm accepts the assignment, we bill by the hour. The billing terms are provided in writing before you sign an engagement. The total depends on the hours the assignment takes, and it is not known until the appraisal is complete.
- You decide whether to proceed.
Loss Recovery Experts bills by the hour. The fee reflects the hours the assignment takes, travel time, and any experts the file requires. We confirm the billing terms in writing after reviewing the file. The total cannot be known until the appraisal is complete. No one can honestly quote it in advance, because no one knows at the start how long the assignment will take.
Rather talk first?
Call 239.633.0894 or write nathan@lossrecoveryexperts.com. If an appraiser selection deadline is running, say so in the first message and include the date exactly as the policy or demand letter states it.