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Appraisal and Umpiring Services
Appraisal Services
At times, property owners and insurance companies do not agree on the extent of, or cost to repair damages. As a property owner, you have the option to demand appraisal. The Appraisal Clause within your insurance policy, also known as The Appraisal Provision, allows you to have two third-parties (unaffiliated with the Insurance Company) assess damages and repair costs.
About the Appraisal Clause
Most policies have an "Appraisal Clause". You can usually find it in your policy under the "Conditions or "What to do after a loss" segment. It will usually say something along the lines of:
"If you and we fail to agree on the amount of loss, either one can demand that the amount of the loss be set by appraisal. If either makes a written demand for appraisal, each shall select a competent, independent appraiser. Each shall notify the other of the appraiser's identity within 20 days of receipt of the written demand. The two appraisers shall then select a competent, impartial umpire. If the two appraisers are unable to agree upon an umpire within 15 days, you or we can ask a judge of a court of record in the state where the residence premises is located to select an umpire. The appraisers shall then set the amount of the loss. If the appraisers fail to agree within a reasonable time, they shall submit their differences to the umpire. Written agreement signed by any two of these three shall set the amount of the loss."
Using the Appraisal Clause
Policyholders are responsible for paying their hired Appraiser and the Insurance Company is responsible for paying the Appraiser that they have chosen. Next Level Claims has certified appraisal agents on hand to assist at a rate of $250 per hour. Payment is not due until the appraisal is settled. While paying for appraisal is a cost, it will be worth it when you receive the 3-5x larger reimbursement from your insurance company.
You don't have to take the insurance company's word for how much your damages are worth.
If you feel that you need more money to get back to pre-loss condition, it's best to use a public adjuster or to invoke your right to appraisal. We're here for you.
Umpiring Services
What is an Umpire?
An insurance umpire acts as a judge during the appraisal process to decide what the appropriate repair allowance should be for an insurance claim. To be a qualified umpire, you must be licensed and certified, have extensive knowledge of the state property claim laws, and be able to distinguish between Replacement Cost Value and Actual Cash Value.
Umpiring Requirements
To be a qualified umpire in the eyes of the National Association of Insurance Umpires you mus For umpires to be qualified through the National Association of Insurance Umpires, they must meet 3 licensing and/or certification requirements. Next Level Claims can be hired as an Umpire for any claim in Florida at a rate of $500 per hour to be split by the insured and the carrier.
OUR CLIENTS CONSISTENTLY RECEIVE 3-5X
WHAT THEIR INSURANCE INITIALLY OFFERED THEM.
Contact us now to get the representation you deserve.
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