The appraisal clause is not a loophole — it's a contract right.
From demand to signed award.
Below is the complete sequence of an insurance appraisal in Kentucky — the paperwork, the people involved, the typical timeline, and where we fit
The appraisal clause is invoked - When estimates differ materially, either side may send written notice invoking the clause. We draft this letter for you — citing the correct policy language and stating your named appraiser
1
Usually triggered after a low or denied estimate
Must be in writing and sent to the carrier
Does not waive your other rights under the policy
Each side names a competent, impartial appraiser - The policy typically gives each party 20 days to appoint their appraiser. You hire us directly; we bill on a flat rate— never a percentage of the final award
2
You appoint your appraiser
Carrier appoints an independent appraiser
No appraiser may Have a financial stake in the outcome of the claim.
Site inspection and scope documentation - We schedule an on site inspection.
We photograph every affected area, measure damage, pull in code requirements, and build a estimate that reflects the true scope of repair.
3
Moisture mappomg and testing for water related losses
Roof inspection if needed
Local building code research to ensure compliance
Appraisers confer and attempt settlement - The two appraisers exchange estimates, walk differences line by line, and try to settle without an umpire. Many claims end here — we find middle ground on scope, pricing, and depreciation and sign an award.
4
Most disputes are resolved here
Saves both parties the umpire fee
Typically completed within a few weeks of the inspection
Use of the umpire if needed - If the two appraisers cannot reach agreement, the matter is submitted to the previously selected Umpire for a binding decision. We maintain a shortlist of vetted Kentucky umpires.
5
Umpire must be disinterested and competent
Fees split 50/50 between the parties
Typically a senior adjuster, engineer, retired judge or another appraiser
Award signed and binding - The umpire reviews both estimates and the site evidence. Once any two of the three (appraisers + umpire) sign the award, it is binding on both parties as to the amount of loss. Coverage questions remain separate.
6
Binding on the amount of loss
Carrier must issue payment per policy terms
Cannot usually be vacated absent fraud or misconduct