Invoking the appraisal clause is a formal process, but it doesn't require a lawyer or a lawsuit to get started.
Appraisal resolves disagreements over the dollar value of a covered loss, not whether the policy covers it at all.
A formal written notice invoking the appraisal clause starts the insurer's response clock.
Each side names a competent, disinterested appraiser to represent their position.
If the two appraisers agree, that number is final. If not, a neutral umpire resolves the difference.
Signing a settlement release before invoking appraisal typically forecloses the option. Waiting too long after receiving an offer can also narrow your options, since some demand windows are time-limited. When in doubt, get a review before responding to any offer.
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