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Unfair Appraisal Process

What if my appraisal process is unfair?

What to Do If You Suspect That the Hail Claim Appraisal Process is Unfair

The majority of homeowners' insurance policies will detail the official appraisal process in the event that you have sustained significant hail damage. It is commonly invoked to deal with disputed property damages when the insurance company is denying your claim altogether or minimizing the extent of your claim. The appraisal process is used by the insurance company to determine the total amount of damage caused by the loss events such as a tornado, windstorm or hailstorm.

Unfortunately, however, as a victim of hail damage, it can only amplify the frustration of going through this situation to discover that the insurance company may be acting in bad faith and trying to discourage you from receiving a claim that is fair and in line with the incident itself. The appraisal clause uses a process associated with handling disputes or controversies associated with the amount of a loss in and of itself.

Each individual is able to appoint their own appraiser regarding the total amount of the loss and in this situation where these appraisers do not come to the same conclusion, another individual will be appointed to decide the controversy. This only comes into play in the event that the two appraisers are unable to reach a decision.

What Factors Are Evaluated in a Hail Damage Claim?

There are numerous factors that have to be taken into consideration to determine whether or not the appraisal process itself was fair and whether one or both individuals involved in the process need to seek intervention by the court. The factors that need to be evaluated in determining whether or not the appraisal process was fair includes:

  • Whether the policy holder was given an opportunity to consult with a lawyer.
  • Whether the clause is being used oppressively.
  • Whether the clause is being used in bad faith by the insurance company.
  • Whether or not the policy holder made an educated decision about signing the policy with the appraisal clause to begin with.
  • Whether or not there was any bias on the part of any appraiser or the final decider regarding an appraisal controversy.

Since there are many different factors that can come into play that may lead you to believe that the insurance company is acting in bad faith, it is important to empower yourself with information and to take the steps to protect yourself by hiring an experienced bad faith insurance claim attorney.

The insurance company may count on you being unaware of your rights and refusing to take action in the event of their bad faith actions. You need to understand your rights as soon as you file a claim as well as when you suspect that the insurance adjuster or anyone else with the company has crossed the line and acted in bad faith. Your ability to resolve the claim may depend on it, but this is also an avenue for you to hold the insurance company accountable if they refused to act reasonably and fairly with your claim.

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