WHAT IS AN
INSURANCE APPRAISER?
In many cases, insurance companies refuse to negotiate with the insured or their contractor on settlement cost, ignoring calls and delaying supplement requests.
The insurance appraisal process takes the power out of the insurance providers hands and places it into the hands of the business or homeowner.
Insurance appraisal is a cost effective way for you, the insured, to settle a disagreement about your settlement amount.
An insurance appraiser is NOT a public adjuster.
A public adjuster charges 10% of your paid settlement amount, and a lawyer charges hundreds of dollars per hour to take your claim to court, and may even a percentage of winnings too.
Insurance appraisers outline their fees up front.
Typically, insurance appraisers are either adjusters with insurance industry experience, or contractors with construction experience. The appraiser's goal is to man an unbiased determination as to a fair settlement for your claim.
- Investigate & evaluate your insurance claim
- Determine whether your policy covers the loss claimed
- Evaluate the damage to determine the appropriate amount your insurance company should pay for the claim & to ensure the claim is not fraudulent
- Take detailed photos
- Write up a detailed estimate
- Negotiate a final settlement with the appraiser hired by your insurance company
What an appraiser does:
The appraiser's goal is to investigate & evaluate, and provide valuations on property damage to help settle insurance claims.
Some appraisers specialize in a specific area of insurance, like commercial, business, or residential insurance. Others specialize in a specific type of damage, like hail, roof, wind, flood, or hurricane damage.
Guardian Group specializes in residential claims across all damage types.
