Claims & Insurance
Appraisal clause
A policy provision that lets the policyholder and the insurer each name an appraiser when they disagree on the value of a loss. The two appraisers then choose an umpire, and the majority decision sets the loss value. A complete estimate together with photographs and records supports the policyholder's side of the process.
Common questions
What does "Appraisal clause" mean in Xactimate estimating?
A policy provision that lets the policyholder and the insurer each name an appraiser when they disagree on the value of a loss. The two appraisers then choose an umpire, and the majority decision sets the loss value. A complete estimate together with photographs and records supports the policyholder's side of the process.
Where does "Appraisal clause" show up in a claim?
The term matters on estimates and scopes across the insurance restoration workflow. Browse the glossary for related terms.
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