Texas Law

How the Appraisal Process Works, Step by Step

From written demand to a final, binding number — here's what actually happens once the appraisal clause is invoked.

The Process

Written Demand

One party sends formal written notice invoking the appraisal clause, starting the response clock.

Appraiser Selection

Each side names its own competent, disinterested appraiser.

Independent Evaluation

Each appraiser independently evaluates the disputed loss amount.

Umpire (If Needed)

If the two appraisers can't agree, a neutral umpire is selected to review both positions and the underlying evidence.

Binding Award

Agreement between two of the three (or the umpire's decision) becomes the final, binding amount of loss.

Frequently Asked Questions

How long does the whole process take?

It varies by case complexity and how quickly each side's appraiser responds, but appraisal is generally significantly faster than litigation — often resolved in weeks.

What happens if the insurer's appraiser delays?

Unreasonable delay can be raised directly with the insurer and, where appropriate, with the Texas Department of Insurance.

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