Recent Appraisal Award in Westminster MD by Chateau
These homeowners were offered $1,800 by their insurance company. We got them $12k by invoking the appraisal clause and fighting the valuation. Click to read more....
What is an Insurance Appraisal?
The Process for Disputing an Insurance Company's Valuation of Your Property Damage Claim
When policyholders and their insurance companies disagree on the amount of a property damage or other loss claim, an Appraisal can be requested by either party. An Appraisal is a method of Alternative Dispute Resolution that is set forth in your homeowners insurance policy. If you do not agree with your insurance company's valuation of your property damage claim - for example, if they are only willing to pay for clean-ups and bare-minimum repairs rather than replacement - you can invoke the Appraisal clause of your insurance policy. When this is done correctly and competently, you have an excellent chance of receiving more money for your claim.
According to the Insurance Appraisals & Umpire Association (IAUA) the Appraisal clause in an HO-3 policy typically looks like:
"Appraisal. If you and we fail to agree on the actual cash value, amount of loss, or cost of repair or replacement, either can make a written demand for appraisal. Each will then 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 will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a district court of a judicial district where the loss occurred. The two appraisers will then set the amount of loss, stating separately the actual cash value and loss to each item."
When insurance appraisals are executed properly, policyholders get the money they need to restore their property's interior or exterior damage and get back to their lives. Click here to schedule your free consultation so we can get the process started.
Chateau Public Adjusters Insurance Appraisals
Our Training, Knowledge & Expertise: the Key to Winning Appraisals
When executing the Appraisal process it is beneficial for your Competent and Disinterested appraiser to have the expertise necessary to maximize your claim. You also ideally want someone who has the restorations contracting experience and materials/labor pricing background to provide a thorough and complete appraisal of your property damage claim to counter the one provided by your insurance company, which will surely be low. That's where Chateau comes in. We are partnered with south-central Pennsylvania and northern Maryland expert restorations and roofing contractor Superior Services of PA & MD. This licensed and reliable contractor brings considerable knowledge to bear when appraising a property damage claim. Together, Chateau and Superior regularly secure many times more money for our clients than was originally offered by their insurance company.
Our Service Area
We serve the entire south-central Pennsylvania and Northern Maryland areas including all towns and zip codes in the following counties:
- Cumberland, Lancaster, York & Adams Counties in Pennsylvania
- Frederick, Baltimore & Carroll Counties in Maryland