Understand the appraisal clause before invoking it
Read the actual provision. Appraisal is a process for a covered value disagreement, not a shortcut around every claim issue.
Locate the policy language
Ask for the policy form and endorsements that apply to your loss. Identify who may demand appraisal, how notice is delivered, appraiser qualifications, selection deadlines, umpire selection and cost allocation. Do not assume an online sample is the same as your contract.
Know what the process addresses
An appraisal commonly addresses the amount of loss or vehicle value. It does not automatically resolve a coverage exclusion, responsibility for the crash, injuries or a legal release. Ask the insurer to identify whether it disputes value, coverage or both.
Choose the person and the scope
- Ask who will research, review and sign the valuation.
- Confirm relevant vehicle experience and any required credentials.
- Ask about insurance-company assignments and conflicts.
- Obtain the complete fee and possible umpire or inspection costs in writing.
- Confirm whether the service includes acting as your appointed appraiser.
Prepare the evidence file
Give the appraiser the complete insurer report, offer, vehicle records, photographs and the applicable provision. Explain disputed entries without changing the original documents. Keep deadlines for storage, rental and other claim matters moving separately.
If the appraisers do not agree
Follow the policy’s procedure for selecting an umpire and determining an award. The participation, payment and legal effect of an award depend on the provision and applicable law. Ask about costs before the dispute reaches this stage. For Oregon-specific reimbursement information, consult the Oregon guide and current official notice.
Sources and further reading
Reviewed October 11, 2026. Check your policy and current state guidance. Educational information, not legal advice.
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