Coast2Coast
Insurance Appraisal Services
Disagree with Your Insurance Settlement? We’ll Represent You During THE Appraisal
When you’ve suffered property damage, you expect your insurance company to compensate you fairly. But what happens when their offer doesn’t come close to covering the true cost of your loss?
That’s where insurance appraisal comes in—a formal dispute resolution process that can help policyholders and insurance companies resolve valuation disagreements without going to court. At Coast2Coast, we offer professional appraisal services to represent policyholders during this critical phase.
Our experienced appraisers work on your behalf to accurately evaluate the damage, prepare supporting documentation, and negotiate the fair value of your claim.
What Is Insurance Appraisal?
Insurance appraisal is a policyholder’s right, typically included in most property insurance policies. It’s used to settle disputes over the amount of loss, not over whether the damage is covered. Here’s a simplified overview of how the process works:
1
You (the policyholder) and your insurance company each appoint an independent appraiser.
2
These appraisers assess the damage separately and attempt to agree on a fair value.
3
If the appraisers cannot agree, they jointly select a neutral third party—called an umpire—to make the final decision.
4
If any two of the three parties (either both appraisers or one appraiser and the umpire) agree, that amount becomes the binding value of the loss.
This process can often resolve disputes faster and more affordably than litigation, while still protecting your rights and giving you a fair shot at a more accurate settlement.
When Should You File for Appraisal?
The insurance appraisal process is best suited for claims where:
You agree with the coverage determination (i.e., that your loss is covered),
But you disagree on how much the damage is worth or how much you’re owed.
Some common scenarios include:
If you’re unsure whether your policy includes appraisal language, we’ll gladly review it for you.
Our Role as Your INSURANCE Appraiser
At Coast2Coast, we serve as your designated appraiser in the insurance appraisal process. We don’t work for the insurance company—we work for you. Here’s what we bring to the table:
Objective Damage Assessment
We conduct a thorough, boots-on-the-ground inspection of your property to assess the full scope of damage—whether residential or commercial.
Detailed Documentation
We prepare comprehensive repair estimates, photographic evidence, and industry-standard pricing breakdowns to back your claim.
Policy Analysis
We review the insurance policy language to make sure every applicable element of your loss is accounted for—within the terms of your policy.
Professional Negotiation
We collaborate with the opposing appraiser and, when needed, help identify a qualified umpire. Our goal is to reach a fair agreement efficiently and professionally.
We stay with you from start to finish—keeping you informed and fighting for a resolution that reflects the true value of your loss.
Appraisal vs. Umpire Services: What’s the Difference?
Let’s clear up some confusion:
- Appraiser: Chosen by the policyholder or insurance company to independently assess the amount of loss.
- Umpire: A neutral third party brought in only if the two appraisers cannot agree on the value of the loss.
At C2C, we offer both appraisal and umpire services, but they serve different purposes. On this page, we’re focused on acting as your representative appraiser to help you challenge a low settlement offer.
If you’re looking for a neutral umpire to resolve a stalled appraisal process, visit our Insurance Umpire page to learn more about these services.
Insurance Appraisal Process: Step-by-Step
1
Disagreement Arises
You and your insurance company disagree on the value of the damage, not coverage.
2
Appraisal Is Invoked
Either party invokes the appraisal clause in your insurance policy, usually in writing.
3
Each Side Chooses an Appraiser
You select a licensed, qualified appraiser (like Coast2Coast). The insurance company does the same.
4
Appraisers Assess the Damage
Both appraisers independently inspect the property, review documents, and prepare estimates.
5
Appraisers Attempt to Agree
If both appraisers agree on the value of the loss, that amount becomes binding.
6
Umpire Is Chosen (If Needed)
If the appraisers can’t agree, they jointly select a neutral umpire to resolve the dispute.
7
Final Decision Is Made
If any two of the three parties (appraiser, appraiser, or umpire) agree, the decision becomes final and binding.
8
Settlement Issued
Your insurance company pays the agreed-upon amount—closing the dispute and helping you move forward.
A Stronger Claim Starts Here
Disputes over loss valuation can feel overwhelming—but with Coast2Coast on your side, you don’t have to navigate it alone.
Our appraisers are knowledgeable, experienced, and relentless when it comes to protecting your best interests. Whether you’re dealing with damage from a storm, fire, water, or structural issues, we’ll make sure your appraisal reflects the real costs of getting your property—and your life—back on track.