Insurance appraisal, state by state
The appraisal clause reads almost the same everywhere. What surrounds it does not: the deadlines, who appoints the umpire, what the panel may decide, whether appraisers are licensed, and whether the award binds. Choose your state. We take claims in every one but Minnesota.
- Clause written into state law
- Clause from the policy form
- Appraisers licensed or registered
- Appraisal only by agreement
We do not take claims in Minnesota.
Northeast
- Connecticut Clause written into state law
- Delaware Clause from the policy form
- District of Columbia Clause from the policy form
- Maine Clause written into state law
- Maryland Clause from the policy form
- Massachusetts Reference, three referees
- New Hampshire Clause written into state law
- New Jersey Clause written into state law
- New York Clause written into state law
- Pennsylvania Clause written into state law
- Rhode Island Clause written into state law
- Vermont Clause from the policy form
Southeast
- Alabama Clause from the policy form
- Florida Clause from the policy form
- Georgia Clause written into state law
- Kentucky Clause from the policy form
- Mississippi Clause from the policy form
- North Carolina Clause written into state law
- South Carolina Clause from the policy form
- Tennessee Clause from the policy form
- Virginia Clause written into state law
- West Virginia Clause written into state law
Midwest
- Illinois Clause written into state law
- Indiana Clause from the policy form
- Iowa Licensed appraisers, fixed deadlines
- Kansas Clause from the policy form
- Michigan Clause written into state law
- Missouri Clause written into state law
- Nebraska By agreement only
- North Dakota Clause written into state law
- Ohio Clause from the policy form
- South Dakota By agreement only
- Wisconsin Clause written into state law
South Central
Mountain West
Before you decide anything
Has your claim stalled?
Tell us what happened and where. We will read your policy, tell you plainly whether appraisal fits, and what it would cost. No pressure, and no fee for the conversation.
When you write to us
- 1. We read your policy, the carrier’s estimate, and the letters that came with it.
- 2. We tell you plainly whether appraisal fits your disagreement, and if it does not, who can help.
- 3. If it fits, you have the fee in writing before anything starts.