The appraisal clause is a binding dispute-resolution provision found in most Texas auto policies. When you and your insurer can't agree on the amount of loss — total loss value, repair cost, or diminished value — either party can invoke it to get a final, binding answer without going to court.
Once invoked, each side names its own appraiser. The two appraisers work to agree on the amount of loss; if they can't, a neutral umpire is selected and their decision (or the agreement of two of the three) becomes binding. It settles the dollar amount of the dispute — it does not decide questions of coverage or fault.
Before this remedy became widely standardized in Texas, policyholders had little practical leverage to challenge a lowball number short of a lawsuit. The appraisal clause gives you a faster, less expensive, binding alternative — and most policyholders, and even many repair shops, still don't know it's available to them.
Flat-fee pricing, agreed upfront based on claim type. Free initial review — no obligation.
Submit for Free Review