Section VII. General Conditions - Appraisal

The appraisal clause applies if the insured and adjuster fail to agree on the ACV or replacement cost of the damaged property, whichever is appropriate. In the event that the two appraisers appointed by the insured and insurer cannot agree, they should submit only their differences to an umpire.

There is no appraisal for coverage issues.

On the left, a graphic representing the policy holder with a frowning face on the bottom left and a dollar sign above it. An arrow points to a graphic representing the adjuster. Another arrow points to a graphic of an umpire with a checkmark to its left. On the right is a graphic representing the insurer, with two dollar signs above it. An arrow points to another graphic representing a different adjuster. Another arrow points to the same umpire graphic and displays an X to the right of it. In the middle of the two flows is a graphic of a house under water, representing the policy.