The appraisal clause is built into most Texas property policies. It's one of the most powerful tools a policyholder has, if you know how to use it.
Ask About Your PolicyThe appraisal clause is a built-in dispute process for pricing and scope issues. Either party can demand appraisal when there is disagreement about the value of the loss. It is commonly used when coverage has been accepted but the amount is too low, damage was missed or undervalued, estimates conflict, or the real dispute is about repair cost rather than legal questions. Exact wording varies by carrier.
Appraisal is usually invoked through a written demand that follows the policy requirements. The demand should clearly state that you are invoking the appraisal provision. Before sending it, gather the full policy, carrier estimate and payment history, any competing estimate, and a clear understanding of what is actually in dispute. Each side then selects an appraiser within the timeframe required by the policy.
The appraisers review the file, inspect the property, and try to agree on the amount of loss. If they agree, the matter may resolve there. If not, disputed items go to an umpire. Any two of the three can sign the award, which is often binding as to the amount of loss.
Simple residential claims can move quickly when both sides cooperate. Complex or commercial files usually take longer. Timing depends on the quality of the documents, scheduling, inspection needs, and whether an umpire becomes necessary. Organized files consistently move faster.
Appraisal is the right tool when the real fight is over numbers. Litigation may make more sense when the carrier fully denies coverage, raises legal defenses, or there are bad-faith issues beyond valuation. Some cases involve both, which is why careful review matters before deciding on the next step.
A quick review of the clause, claim file, and estimate gap can tell you whether appraisal is the right move or whether another strategy makes more sense.
Call (817) 618-9884Send the basics of your claim, and we'll help you understand what the policy may allow.
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📍 Southlake, TX
The wording matters, but so does the actual dispute. A good appraisal strategy starts with reading both the policy and the claim file carefully.