DISCLAIMER: The information contained in this website is for basic informational purposes only. It is not offered as, and does not constitute legal advice or professional guidance regarding your claim. This website provides only general information about our company, its areas of practice, and links to Washington State law as posted on the website of the Office of the Insurance Commissioner of Washington State. The information contained in our website is subject to change without notice. If you have any questions, need professional assistance, or have specific claims resolution needs, you may contact us directly.

20 days

15 business days

30 days

Respond to Appraisal Demand: 

Name Umpire: 

Pay Award Amount: 

What is an appraisal?

If you and your insurance company fail to agree on the amount of actual cash value or amount of loss, either one can demand a determination by appraisal. If either makes a demand for appraisal, each shall select a competent, independent appraiser and notify the other of the appraiser's identity within 20 days of receipt of the written demand. The two appraisers shall then select a competent, impartial umpire. If the two appraisers are unable to agree on an umpire within 15 days, you or we can ask a judge of a court of record in the state where the residents premises is located to select an umpire. The appraisers shall then set the amount of the actual cash value and loss. If the appraisers submit a written report of agreement to us, the amount agreed upon shall be the amount of the actual cash value and loss. If the appraisers fail to agree within a reasonable time, they shall submit their differences to the umpire. Written agreement signed by any two of these three shall set the amount of the actual cash value and loss. Each appraiser shall be paid by the party selecting that appraiser. Other expenses of the appraisal and the compensation of the umpire shall be paid equally by you and us. The insurance policy requires claims disputes to be resolved through a contractually mandated process called "appraisal", which reads

"If you and we fail to agree on the amount of actual cash value or amount of loss, either one can demand a determination by appraisal. If either makes a written demand for appraisal, each shall select a competent, independent appraiser and notify the other of the appraiser's identity within 20 days of receipt of the written demand. The two appraisers shall then select a competent, impartial umpire. If the two appraisers are unable to agree upon an umpire within 15 days, you or we can ask a judge of a court of record in the state where the resident premises is located to select an umpire. The appraisers shall then set the amount of the actual cash value and loss to each item. If the appraisers submit a written report of an agreement to us, the amount agreed upon shall be the amount of the actual cash value and loss. If the appraisers fail to agree within a reasonable time, they shall submit their differences to the umpire. Written agreement signed by any two of these three shall set the amount of the actual cash value and loss. Each appraiser shall be paid by the party selecting that appraiser. Other expenses of the appraisal and the compensation of the umpire shall be paid equally by you and us.*"


Either party can demand appraisal to determine the loss, damage, and valuation of a claim, but the appraisal panel is not authorized to rule on matters of coverage.

*This provision is included in most insurance policies, although some of the specific wording may vary depending upon the insurance company and/or policy of insurance.

How long does appraisal take?

Some appraisals are completed within a day, while others last several months. Some appraisals may even require a year or longer to resolve. It depends upon the size and complexity of the claim, who is named as appraiser, whether or not the appraisal is formal or informal, and how much discrepancy between the insured's demand and the insurer's settlement offer. 


Exactly what documentation do I need to submit to ICDR?

Depends on what's in the dispute. Repair estimates and contents inventories that are detailed and complete so that the appraisal panel can consider an apples-to-apples comparison between the insured's claim and the insurer's settlement offer. 

Appraisal Deadlines

Which Appraisal Process Is Right For You?


Informal:

Both appraisers agree to an award amount without needing an umpire's ruling.

When appraisers aren't able to come to an agreement, they submit difference to the umpire.

Umpire is involved in the entire appraisal process from start to finish.

Formal:                                                                                                                                             

Each side submits a hearing brief prior to the formal appraisal hearing.

A formal appraisal hearing is held to hear testimony and receive evidence.

A court report may (if both parties agree) memorialize the appraisal hearing proceedings.

Advocated Appraisal:

Attorneys for policyholder(s) and insurance company present their case to the appraisal panel.

Attorney for each side presents a hearing brief prior to the appraisal hearing.

The appraisal panel may allow for one round of rebuttals to the initial hearing brief.

For More Information on Appraisals, Don't Forget To Look at Our APPRAISAL FAQ Page.

Appraisal