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If we and you disagree on the amount of loss, either may make written demand for an appraisal of the covered loss. Each party will select a competent and impartial appraiser and notify the other of the appraiser selected within 20 days of the demand.

Most insurance policies contain a provision which stipulates that either the insurance company or the insured has the right to demand an “Appraisal” if that party disagrees as to the amount of the insured loss. The purpose of the Insurance Claim Appraisal process is to offer both parties to the insurance contract a less expensive and more expedient alternative to going to court in order to reach a settlement. Appraisal has many similarities to binding arbitration but the two processes are not identical. The Appraisal Panel is made up of three participants. Therefore, the insurance company and the insured both select a competent, impartial Insurance Claim Appraiser to represent them in the process. Before the Appraisal Process begins, the appraisers agree to a neutral Umpire. If needed, the umpire will make a final ruling on the differences of the two appraisers.

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Here's an in-depth look at our appraisal services:
  1. Initiation of Appraisal Process: When there is a dispute over the amount of a loss, we facilitate the initiation of the appraisal process as outlined in the insurance policy, ensuring both parties understand their rights and obligations.

  2. Selection of Qualified Appraisers: We assist in the selection of competent and impartial appraisers who represent each party. Our network includes seasoned professionals with a deep understanding of various types of property damage and valuation.

  3. 20-Day Notification: In adherence to policy requirements, we ensure that each party is notified of the chosen appraiser within the stipulated 20-day period.

  4. Appraisal Panel Formation: Our services include the formation and coordination of the Appraisal Panel, which consists of the two selected appraisers and a neutral umpire, to oversee the resolution of the claim.

  5. Comprehensive Evaluations: Our appraisers conduct thorough evaluations of the damaged property, employing systematic approaches to determine accurate loss valuations.

  6. Umpire Selection: If the two appraisers cannot agree on certain aspects of the claim, we facilitate the selection of a neutral umpire who is agreed upon by both appraisers to make a binding decision on the disputed amounts.

  7. Expedited Dispute Resolution: Our appraisal services are designed to expedite the dispute resolution process, providing a faster alternative to legal proceedings while still ensuring a fair outcome for all parties involved.

  8. Detailed Reporting: We provide comprehensive reports that document the appraisal process, the valuation methods used, and the final agreed-upon loss amount, ensuring transparency and clarity for both the insurer and the insured.

  9. Expertise Across Claim Types: Our appraisers are skilled in handling a wide range of claim types, including fire, water damage, natural disasters, and more, ensuring expert handling regardless of the complexity or scale of the loss.

  10. Adherence to Policy and Law: Throughout the appraisal process, we maintain strict adherence to the terms of the insurance policy and the governing laws, upholding the highest standards of professional conduct and integrity.

Vos Claims and Consulting's appraisal services are designed to be comprehensive, providing clients with the confidence that their claim will be resolved with expertise and fairness, backed by our extensive experience and commitment to excellence in the field of property claims resolution.

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VOS Claims & Consulting

Address: 3604 Monte Verde Way

Denton, TX 76208

Direct: 602.697.7002


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