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If you and your insurance company fail to agree on the amount of actual cash value or amount of loss, either one can demand a determination by appraisal. If either makes a demand for appraisal, each shall select a competent, independent appraiser and notify the other of the appraiser’s identity within 20 days of receipt of the written demand. The two appraisers shall then select a competent, impartial umpire. If the two appraisers are unable to agree on an umpire within 15 days, you or we can ask a judge of a court of record in the state where the residents premises is located to select an umpire. The appraisers shall then set the amount of the actual cash value and loss. If the appraisers submit a written report of agreement to us, the amount agreed upon shall be the amount of the actual cash value and loss. If the appraisers fail to agree within a reasonable time, they shall submit their differences to the umpire. Written agreement signed by any two of these three shall set the amount of the actual cash value and loss. Each appraiser shall be paid by the party selecting that appraiser. Other expenses of the appraisal and the compensation of the umpire shall be paid equally by you and us. The insurance policy requires claims disputes to be resolved through a contractually mandated process called “appraisal”, which reads
Some appraisals are completed within a day, while others last several months. Some appraisals may even require a year or longer to resolve. It depends upon the size and complexity of the claim, who is named as appraiser, whether or not the appraisal is formal or informal, and how much discrepancy between the insured’s demand and the insurer’s settlement offer.
Depends on what’s in the dispute. Repair estimates and contents inventories that are detailed and complete so that the appraisal panel can consider an apples-to-apples comparison between the insured’s claim and the insurer’s settlement offer.
ABOUT US
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Inventory Specialist
Office: 206.489.5240 | 1455 NW Leary Way, Suite 400 | Seattle, WA 98107
Her years of administrative, technical, and loss site support on property claims combined with an intensive study program enabled Hannah to earn, like Brandi and Roger before, her public and independent adjuster licenses which qualifies her to administrate, manage, analyze, and evaluate claim information as well as advise policyholders on their claim resolution options.
Inventory Specialist
Office: 206.489.5240 | 1455 NW Leary Way, Suite 400 | Seattle, WA 98107
Her years of administrative, technical, and loss site support on property claims combined with an intensive study program enabled Hannah to earn, like Brandi and Roger before, her public and independent adjuster licenses which qualifies her to administrate, manage, analyze, and evaluate claim information as well as advise policyholders on their claim resolution options.
Inventory Specialist
Office: 206.489.5240 | 1455 NW Leary Way, Suite 400 | Seattle, WA 98107
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Claims & Inventory Manager
Office: 206.489.5240 | 1455 NW Leary Way, Suite 400 | Seattle, WA 98107
Since 1994, Brandi Hollibaugh has worked extensively on property insurance claims of every size, type, and circumstance – whether due to fire, water, wind, theft, vandalism, hazardous materials, and every other natural (and occasionally unnatural) catastrophe.
As a licensed public and independent adjuster, Brandi is the driving force behind Holli Claims, a contents inventory service that provides expert evaluation, documentation, evaluation, analysis, and presentation of personal property losses.
In addition to managing all Claims Dispute Resolution personal property claims assignments, Brandi provides technical support on homeowners and commercial claims for structure, contents, business interruption, additional living expenses, fair market value, and withheld depreciation for replacement cost reimbursement.
President
Office: 206.489.5240 | 1455 NW Leary Way, Suite 400 | Seattle, WA 98107
Since 1977 Roger Howson has managed and actively adjusted thousands of claims while working for the largest property and casualty insurance company and world’s largest public adjusting company.
Licensed as both a public and independent adjuster, Roger has a unique appreciation for the specific needs of policyholders, adjusters, attorneys, service providers, and insurance companies.
After more than 20 years, Roger continues to serve as Education Chair and past president for Puget Sound (PSAA), Seattle (SCAA), Tacoma (TCAA), & Oregon (OCAA) Claims Adjuster Associations. In addition to his 40+ years of continuing education in arson and fraud investigation, property loss estimation, and insurance law, Roger also holds a Master’s Degree in Whole Systems Design and a Bachelor’s Degree in English.
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