Are You Getting What You Are Owed?

When your home is damaged by hail, wind, or a major storm in Texas, your insurance company and you may disagree on how much the damage is worth — not whether it’s covered, but how much should be paid.

That’s where appraisal comes in.

Appraisal is a legal dispute-resolution process built into most Texas homeowner insurance policies. It’s designed to settle disagreements about the amount of loss quickly and fairly — without going to court.

Appraisal is typically invoked when:

• The insurance company agrees there is damage
   
• But their estimate is too low
   
• Or they’ve left off items that should be included
   
• Or the scope of repairs is incomplete
   

Appraisal does not determine coverage disputes. It strictly determines the value of the loss.

1. Appraisal Is Invoked
   Either you or the insurance company can demand appraisal in writing.
    
2. Each Side Chooses an Appraiser
    
   • You select a competent, independent appraiser.
      
   • The insurance company selects theirs.
      

1. An Umpire Is Chosen
   The two appraisers agree on a neutral third party called an umpire.
    
2. The Damage Is Evaluated
   The appraisers inspect the property and review estimates.
    
3. A Binding Decision Is Made
   If the two appraisers agree, the value is set.
   If they disagree, the umpire makes the final decision.
    

Once two of the three sign off, the award is typically binding under Texas law.