Property Damage Appraisal in Connecticut
How Does Property Damage Appraisal Work?
Appraisal is a process in most property insurance policies for settling disagreements over the amount of a loss. You and the insurer each choose an independent appraiser, the two pick an umpire, and an agreement by any two of the three sets the amount. It's usually faster than a lawsuit, but it can't decide whether damage is covered.
| Resolves | The dollar amount of a covered loss |
|---|---|
| Doesn't resolve | Whether the loss is covered |
| Who decides | Two appraisers, plus an umpire if they disagree |
| Cost | Each side usually pays its appraiser and shares the umpire |
| Where to look | The appraisal clause in your policy conditions |
How the Appraisal Process Works
- Either side demands appraisal in writing, following the policy's wording.
- Each side names a competent, independent appraiser within the time the policy sets.
- The appraisers choose an umpire. If they can't agree, a court can appoint one.
- The appraisers each value the loss. Where they differ, they submit the differences to the umpire.
- A written award signed by any two of the three sets the amount of loss.
When Appraisal Makes Sense
Appraisal fits when the insurer accepts the claim but you're far apart on price: the scope of a fire rebuild, repair vs. replacement of a roof, or the value of contents. It doesn't fit a denial based on an exclusion, because coverage questions stay outside the award.
Questions about your disputed claim? A licensed Connecticut public adjuster will review it free.
Get a free reviewChoosing a Property Damage Appraiser
Look for someone with construction estimating and insurance claim experience who is truly independent: no stake in the repairs and no fee tied to the size of the award. Ask how they charge, how many appraisals they've handled, and whether they've served as an umpire. An appraiser's credibility with the umpire matters as much as their numbers.
Connecticut Notes
Most Connecticut homeowners and commercial property policies include an appraisal provision; the exact wording controls deadlines and costs. Connecticut regulations bar public adjusters from having any interest in an appraisal firm, but a public adjuster can prepare the documentation your appraiser relies on. Your policy's deadline to file suit may keep running while appraisal is underway, so track it. See underpaid claims.
Questions People Ask
Is an Appraisal Award Binding?
It's generally binding on the amount of loss, subject to the policy's terms. Coverage defenses can still be raised separately.
Who Pays for Property Damage Appraisal?
Most policies have each side pay its own appraiser and split the umpire's fee. Check your policy wording.
Get a Free Review of Your Disputed Claim
A licensed Connecticut public adjuster will look at your policy and the insurer's numbers. You'll hear back the way you ask, usually within one business day.
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