INSURANCE APPRAISAL
Resolve Property Insurance Amount-of-Loss Disputes Through the Appraisal Process
When you and the insurance company agree that property damage occurred but disagree about the value of the loss, the insurance appraisal process may provide a structured way to resolve that disagreement.
Campbell Adjusting LLC provides independent insurance appraisal services for residential and commercial property claims throughout Texas. We are appointed as an appraiser by property owners, insurance carriers, contractors, public adjusters, and other professionals when an appraisal is appropriate under the policy.
Our role is to evaluate the amount of loss through careful inspection, estimate review, documentation, and communication with the opposing appraiser. We focus on the facts, the property, and the supporting evidence—not assumptions or unnecessary conflict.
What Insurance Appraisal Is
Insurance appraisal is a policy-based dispute resolution process commonly used when the parties disagree about the amount of a covered property loss.
Typically, each party selects a competent appraiser. The appraisers inspect the property, review the available documentation, compare estimates, and attempt to reach an agreement regarding the amount of loss. If they cannot agree on disputed items, those issues may be submitted to an umpire as permitted by the insurance policy.
An agreement signed by any two members of the appraisal panel may establish the amount of loss, subject to the policy language and applicable law.
Appraisal generally addresses the amount of loss. Coverage questions, policy interpretation, liability, and certain causation issues may remain outside the appraisal process depending on the policy and applicable law.
OUR INSURANCE APPRAISAL SERVICES
- Property damage inspections
- Carrier and contractor estimate review
- Scope comparison
- Quantity verification
- Material and repair method evaluation
- Pricing analysis
- Depreciation review
- Appraisal estimate preparation
- Documentation review
- Communication with opposing appraisers
- Participation throughout the appraisal process
- Coordination with the appointed umpire when necessary
Every assignment is evaluated independently based on the facts, documentation, and policy requirements.
WHAT WE REVIEW
Many appraisal disputes involve differences in the estimate rather than disagreements about whether damage exists.
During our review, we may evaluate:
- Scope of repairs
- Measurements and quantities
- Roofing components and accessories
- Interior room-by-room damage
- Exterior building components
- Material selection
- Repair versus replacement issues
- Labor, tax, overhead and profit
- Depreciation
- Supporting documentation
- Pricing differences between estimates
Our goal is to identify the actual reasons the estimates differ and present a well-supported position during the appraisal process.
IS INSURANCE APPRAISAL RIGHT FOR YOUR CLAIM?
Insurance appraisal may be appropriate when:
- The parties agree there is covered property damage.
- The disagreement involves the amount of loss.
- Estimates differ significantly.
- Scope or pricing differences cannot be resolved.
- Both sides want to use the appraisal provision contained in the policy.
Because every insurance policy is different, the policy language controls the appraisal process and should always be reviewed before proceeding.
REQUEST AN INSURANCE APPRAISAL
If your property insurance claim involves a disagreement over the amount of loss, Campbell Adjusting LLC can review the available information and determine whether our appraisal services may be appropriate for your situation.
Whether you are a homeowner, commercial property owner, contractor, public adjuster, insurance carrier, or another appraisal professional, we are available to discuss your assignment.
Request a Claim Review or Contact Campbell Adjusting LLC to learn more about our insurance appraisal services.
A well-supported appraisal can help move a claim toward resolution when the parties are too far apart to agree. Clear documentation and accurate valuation are essential to a stronger outcome.