The appraisal clause is a policy-based process for resolving disagreements about the amount of loss.
What to do next
- Read the policy language before assuming the process applies.
- Identify what amount is disputed: total loss value, repair scope, or another valuation issue.
- Keep evidence organized before formally invoking appraisal.
- Use a qualified independent appraiser who understands the vehicle and claim type.
Keep the file organized
If the claim needs a formal review, keep valuation reports, estimates, supplements, photos, and policy documents together before moving the file into Folder Co.