Questions to ask before hiring an appraiser

People and qualifications

• Who will research, review and sign my report?
• What experience do they have with this vehicle and claim type?
• What credential do they hold, who issued it, and how can I verify it?
• Do they accept assignments from insurers?
• How are conflicts disclosed?

Scope and evidence

• Is this a report-only assignment or appointed-appraiser service?
• How are equipment, condition and comparable history checked?
• What does AI assist with, and what does a human verify?
• Will an inspection or specialty research be needed?
• Who handles a third-party demand and negotiation?

Fees and limits

• What is the total fee and payment schedule?
• What inspection, travel or umpire costs could be additional?
• What exactly does any refund policy cover?
• Is reimbursement represented as conditional or guaranteed?
• How are records handled and retained?

Record the agreement

Ask for the answers in writing and compare them with the engagement terms. A provider should be able to explain its evidence and limitations without guaranteeing a settlement.

Keep exploring

Browse all resources · Oregon claim guidance · Find your insurer