Public Insurance Adjusters are the only property loss professionals licensed to work on behalf of policyholders. We are your advocates during the entire complicated insurance claims process. We are experts in home and business policy language.
If Your Claim Is Denied Or Partially Denied
Whether your claim was denied or partially denied prior to our involvement, There are additional steps we will take according to your insurance policy.
Appraisal: Almost every insurance policy has an Appraisal Clause.
Example:If you and we fail to agree on the amount of loss, either party may make a written demand for an appraisal. Upon such demand, each party must select a competent and impartial appraiser and notify the other of the appraiser's identity within 20 days after the demand is received. The appraisers will select a competent and impartial umpire. If the appraisers are unable to agree upon an umpire within 15 days, you or we can ask a judge of a court of record in the state where the residence premises is located to select an umpire. The appraisers shall then determine the amount of loss, stating separately the actual cash value and the amount of loss to each item. If the appraisers submit a written report of an agreement to you and to us the amount agreed upon shall be the amount of loss. If they cannot agree, they will submit their differences to the umpire. A written award agreed upon by any two will determine the amount of loss. Each party will pay the appraiser it chooses, and equally bear expenses for the umpire and all other appraisal expenses.
Common Steps of Appraisal:
We complete a written demand for appraisal on your behalf.
Each side has 20 days to identify their appraiser. We will complete this for you.
The appraisers will choose an umpire within 15 days. If an umpire cannot be agreed upon.
Judge will appoint an umpire.
The appraisers will inspect and evaluate your claim. They will come to a settlement agreement or it will go to the umpire for settlement.
Typical timeline for the appraisal process is between 1 month and 6 months.