If you and your own insurer agree the loss is covered but disagree on the amount, your policy's appraisal clause usually lets either side demand an appraisal. Each side picks its own appraiser, and if they can't agree, an umpire decides the difference.
The appraisal clause is a contract term in many auto policies. It settles disputes over the amount of a covered loss, not whether the loss is covered. The exact wording varies, so read your policy's appraisal section.
You send written notice invoking appraisal. Each side hires its own appraiser. The two appraisers try to agree; if they can't, they submit their differences to an umpire. Who pays what is set by your policy.
Geoff has worked as an independent appraiser, an insurance staff adjuster, and a collision repair operations director. Three sides to every claim. I've worked all of them.
When the gap between the insurer's figure and your repair estimate, or your vehicle's value on a total loss, is meaningful to you. Call and we'll talk it through honestly.
Three sides to every claim. I've worked all of them. Geoff Albach has spent 33 years in the industry as an independent appraiser, an insurance staff adjuster, and a collision repair operations director.
Related: Diminished value appraisals · Right to appraisal · Contact Geoff
A policy term that lets you or your insurer resolve a disagreement over the amount of a covered loss through appraisers and, if needed, an umpire.
Usually not. It's part of your own policy, so it applies to claims under your own coverage.
Typically yes. Each side selects its own appraiser; check your policy wording.
No. Appraisal usually addresses only the amount of loss.
General information, not legal advice. Talk to a Virginia attorney about your specific claim.
Call or text Geoff at 434-665-6059. Lynchburg, VA.
