The appraisal clause is a critical component of most insurance policies, providing a structured process for resolving disputes over the value of a claim. This clause is designed to protect policyholders and insurers alike by offering a fair and impartial mechanism for determining disputed loss amounts. When disagreements arise, invoking the appraisal clause allows both parties to appoint independent appraisers and, if necessary, an umpire to arrive at a binding resolution.
For Oregon policy holders, your insurance company must reimburse your reasonable appraisal costs if the Final Appraised Value is greater than the insurer's last offer. This also applies to umpire fees.
Our firm handles various Appraisal Clause claims. The most common Appraisal Clause claims involve "Actual Cash Value" (ACV) disputes when a vehicle is deemed a Total Loss. The Appraisal Clause also applies to repair-related disputes when a policy holder seeks cash out or vehicle repairs. With many insurers today using AI Technology and appraisers from outside of the United States to complete repair estimates based on photos, significant value differences can occur between these appraisals and those by trained local experts.
With a team experienced in ACV and Collision Repair, the IAS Claims Network aims to maximize settlements for policy holders.
Serving Portland, OR & the surrounding communities, we understand how overwhelming the insurance claim process can be. That’s why we offer a free appraisal clause review performed by our licensed adjusters. Our experienced team specializes in identifying opportunities to resolve claim disputes efficiently and fairly. With decades of combined industry expertise, we are uniquely equipped to explain your rights under the appraisal clause, outline the process, and guide you toward the best path forward.
Navigating the nuances of insurance policies and appraisal disputes can be complex and time-consuming. Hiring professionals ensures your case is handled with precision and care. With the IAS Claims Network, you gain access to a team of seasoned Independent Appraisers and Adjusters dedicated to resolving disputes with efficiency and integrity.
For Total Loss "Actual Cash Value" (ACV) and repair disputes, please submit the carrier's report for review along with any pertinent vehicle and claim information necessary for the appraiser assigned to your case. These documents can be sent directly via email to claims@iasclaimsnetwork.com.
Don’t leave your claim unresolved. Contact the IAS Claims Network team today for your free appraisal clause review. Together, we’ll protect your rights and achieve the resolution you deserve.
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