Frequently Asked Questions

An appraiser is a professional who works on behalf of policyholders to help navigate the insurance claim process. They assess damages, review policy coverage, document losses, and negotiate with insurance companies to secure a fair and equitable settlement for the insured. 

An umpire is a neutral third party tasked with resolving disputes, particularly in situations where two parties cannot come to an agreement. They assess evidence, interpret rules or agreements, and make impartial decisions to facilitate fair resolutions.

Hiring an appraisal professional can greatly benefit you in several ways. They have in-depth knowledge of insurance policies and claims processes, which can level the playing field when dealing with insurance companies. Appraisers work to maximize your claim settlement, ensuring you receive the full compensation you are entitled to. They also handle the complexities and paperwork involved, saving you time and reducing stress. 

Hiring an umpire ensures a fair and impartial resolution to disputes, particularly in complex situations where both parties may have differing perspectives. With their expertise in evaluating evidence, interpreting regulations, and facilitating compromise, umpires provide an efficient and equitable solution that mitigates conflicts and fosters trust between all parties involved.

It is beneficial to work with a consultant as soon as possible after a loss occurs. They can assist you from the beginning of the claims process, ensuring proper documentation and guiding you through the necessary steps. However, even if you have already started the claim process or received an initial settlement offer, an appraiser can still review your case and potentially negotiate for a more favorable outcome. 

After an incident, it is important to:

1. Ensure safety: Attend to any immediate safety concerns and take necessary precautions.
2. Report the claim: Notify your insurance company promptly and provide all relevant details.
3. Document the damages: Take photographs or videos of the damages, gather evidence, and keep records of any related expenses or medical treatments.
4. Cooperate with the appraiser: Provide the requested information to the claims adjuster and promptly respond to their inquiries.
5. Mitigate further damages: Take reasonable steps to prevent additional losses or damages to the property.

The time to settle a claim varies depending on factors such as the complexity of the claim, the availability of evidence, and the cooperation of involved parties. Simple claims may be settled within weeks, while complex cases can take several months or years.