JAN 15, 2026 • Diminished Value

How to Win the Appraisal Clause When Insurance Plays Hardball

When you and the insurance company can’t agree on value, the appraisal clause in most policies gives both sides the right to hire their own appraiser. If those two can’t agree, they select an umpire.

The quality of your independent report often determines the outcome. A well-documented, retail-market-anchored valuation is difficult for the insurer’s appraiser to dismiss. Many cases settle favorably once a strong independent report is on the table.



We prepare reports specifically designed to perform well in the appraisal process — clear methodology, transparent comps, and professional presentation that stands up under scrutiny.