How does the appraisal clause work in a total loss?
Roof total loss disputes
On roof claims, total loss usually means the whole roof needs replacement rather than a repair of a few slopes. Typical disagreements include:
- Whether damage on some slopes justifies replacing all of them.
- Whether the existing shingles can be repaired without breaking, and whether a reasonable match exists. See matching and partial replacement.
- Whether hit counts on each slope meet the threshold for replacement.
Appraisal panels often weigh these scope questions, but whether a panel can decide them depends on your policy wording and the courts, and insurers sometimes reserve the right to argue that part of the damage is not covered.
Whole home total losses
After a fire or a tree through the house, appraisal can address the cost to rebuild, the actual cash value, and contents values if your policy's appraisal clause applies to them. Policy limits still cap what is paid, so the dwelling limit on your declarations page matters. Code upgrades needed to rebuild are paid only if you have ordinance or law coverage; see code upgrades coverage.
Before invoking appraisal on a total loss
- Get a complete, itemized estimate from a qualified contractor.
- Gather photos of every slope or room, measurements and material specifications.
- Choose an appraiser experienced with your type of loss and get the fee agreement in writing.
- Confirm the policy's deadlines and any proof of loss requirement.
A vehicle total loss falls under a different policy with different rules; this page covers property. For the roof process, see appraisal on roof claims.