What is the insurance appraisal clause process, and how should a homeowner prepare?

Before you demand appraisal

• Confirm the insurer accepted coverage for at least part of the loss. Appraisal is for amount disputes.
• Try the simpler steps first: a documented supplement and a reinspection.
• Read your policy's appraisal provision for deadlines, cost terms and any special conditions.

The demand letter

Keep it short and factual: your name, address and claim number, a statement that you dispute the amount of loss, a request for appraisal under the policy's appraisal provision, and the name and contact information of your appraiser. Send it in a way that proves delivery, and keep a copy.

Choosing your appraiser

• Experience with residential roof claims and estimating software.
• A clear written fee agreement.
• No conflict that would keep them from meeting your policy's standard for an appraiser.

Building your case

Give your appraiser everything: roof measurements, slope by slope photos, test square counts, the insurer's estimate and your contractor's estimate, supplements already submitted, local code requirements, and any manufacturer guidance on repairs.

After the award

The insurer pays based on the award less the deductible, prior payments and any withheld depreciation. If your policy pays replacement cost, track the deadline to finish the work and collect recoverable depreciation. Checks that name your mortgage company follow the usual endorsement process. For background, see the appraisal clause on a roof claim.