How appraisal works
What is insurance appraisal?
A process in most property policies for resolving disagreements about the amount of a covered loss. Each side names an appraiser, the appraisers choose an umpire and an award signed by two of the three sets the amount.
Who can demand appraisal?
Under most clauses, either the policyholder or the insurer can make a written demand once the two sides disagree on the amount of loss.
Does appraisal decide coverage?
Generally no. Appraisal decides the amount of loss. Whether something is covered is a separate question that may require an attorney.
Is the appraisal award binding?
The award is generally binding on the amount of loss once two of the three panel members sign it, subject to the policy’s terms and limited legal challenges.
Costs and timing
How much does appraisal cost?
Each side pays its own appraiser and usually half of the umpire’s fee. Fee arrangements vary, so get yours in writing before work begins.
How long does appraisal take?
Many residential appraisals finish within two to three months after both appraisers are named. Larger or more complex claims take longer.
Is there a minimum claim size for appraisal?
No legal minimum, but fees can absorb a small gap. Our claim gap estimator shows whether the numbers make sense.
Idaho specifics
Who regulates insurance companies in Idaho?
The Idaho Department of Insurance, based in Boise. It licenses insurers and accepts consumer complaints about claim handling.
Does Idaho have a FAIR plan?
Idaho doesn’t operate a FAIR plan or a state wind pool like some coastal states. Owners who can’t find standard coverage, such as in high wildfire-risk areas, often turn to surplus lines insurers.
What weather causes the most Idaho property claims?
Hail, wind and microbursts, winter freezes, heavy snow and wildfire all generate significant claims. The mix varies by region, from the Panhandle to the Upper Snake River Plain.
Is earthquake damage covered?
Standard homeowners policies typically exclude earth movement. Earthquake coverage is usually a separate endorsement or policy. Idaho has had notable quakes, including the 1983 Borah Peak and 2020 Stanley earthquakes.
Working with us
Do you work for the insurance company?
When we’re your appraiser, we’re retained by you. When we serve as an umpire, we’re neutral and represent neither side.
Are you a public adjuster or a law firm?
No. We provide appraisal, estimate review and umpire services. We don’t negotiate claims outside appraisal and we don’t give legal advice.
Do you serve my area?
We serve all 44 Idaho counties, with regular work in the Treasure Valley, Eastern Idaho, the Magic Valley, North Idaho and the Wood River Valley.
What should I have ready before calling?
Your declarations page, the insurer’s full estimate, any letters from the insurer, your photos and any contractor estimate.