How the insurance appraisal process works

What we handle

• When to invoke appraisal
• Selecting your appraiser
• The umpire selection process
• Scope vs. price
• What an appraisal award looks like

How we work the file

1. Policy review — line-by-line. Coverages, endorsements, exclusions, and conditions.
2. Independent inspection — drone, infrared, moisture mapping, forensic engineering when needed.
3. Re-scoped estimate — Xactimate or comparable, with documented unit cost and scope justification.
4. Demand & negotiation — written, cited to policy provisions, escalated strategically.
5. Appraisal or escalation — when the carrier won't move, we invoke the clause or refer.

Wisconsin context

We work claims across all 20 of our service cities — Milwaukee to Eau Claire, Madison to Green Bay. The carrier you're up against operates the same in every state. Our process is built for the Wisconsin market.