Knowledge Center
How Is Right of Appraisal Invoked?
A general overview of the steps typically involved in invoking an appraisal provision — with an important reminder that requirements vary by policy and jurisdiction.
The requirements for invoking appraisal vary by insurance policy and jurisdiction. Review the applicable policy and, when appropriate, obtain legal guidance concerning contractual or legal rights.
Starting With the Policy
Before taking any steps to invoke appraisal, the most important action is to obtain and carefully review the applicable insurance policy. The policy is the source of the right — and it defines the procedure, requirements, and limitations that govern the process.
General descriptions of how appraisal is invoked — including this one — are educational overviews only. They cannot substitute for a review of the actual policy language and, where appropriate, qualified legal guidance.
General Steps for Invoking Appraisal
Obtain and Review the Insurance Policy
Request a complete copy of the applicable insurance policy if you do not already have one. Read the entire policy, not just the declarations page. The appraisal provision — if one exists — is typically found in the conditions or general provisions section.
Locate the Appraisal Provision
Identify whether the policy contains an appraisal clause. Not every auto insurance policy includes one. If an appraisal provision exists, read it carefully and in full. Note the exact language — particularly what types of disagreements it covers and what it excludes.
Determine What the Provision Covers
Appraisal provisions typically address disagreements over vehicle value or the amount of a loss. Review the provision to understand what types of disputes fall within its scope. Some provisions are broad; others are narrowly written. The policy language controls.
Review Procedural Requirements
The provision will typically specify procedural requirements — such as whether a written demand is required, any applicable deadlines, how appraisers must be selected, any qualification requirements, and how expenses are allocated. These requirements must be followed.
Make a Written Appraisal Demand When Appropriate
If the policy requires a written demand and the circumstances warrant invoking appraisal, a written demand may be made according to the policy's requirements. The demand should comply with any timing, delivery, and content requirements specified in the policy.
Select an Appraiser
Under most provisions, each party selects its own appraiser. The policy may specify qualifications — such as requiring that the appraiser be competent, independent, or disinterested. Select an appraiser who meets the applicable requirements and who has relevant experience with the type of dispute involved.
When to Seek Legal Guidance
Invoking appraisal involves contractual rights and obligations. Procedural missteps — such as missing a deadline, failing to make a proper demand, or selecting a non-qualifying appraiser — could affect those rights.
When the applicable requirements are unclear, when a dispute involves significant amounts, or when there is any question about whether appraisal is available or appropriate in a particular situation, consulting with a qualified attorney familiar with insurance law in the applicable jurisdiction is advisable.
Educational Disclaimer
A1 Auto Appraisals is an independent vehicle appraisal company and is not a law firm. The information provided on this page is for general educational purposes only and should not be considered legal advice. Insurance policies, appraisal provisions, claim circumstances, and applicable laws vary. Questions concerning legal rights, insurance policy interpretation, or applicable law should be directed to a qualified attorney in the applicable jurisdiction.