Insurance Appraisal Services
When policyholders and insurance companies disagree on the value of a loss, many insurance policies include an appraisal clause that allows the dispute to be resolved through an independent appraisal process.
The Solvero Group provides professional appraisal services to help determine the fair value of a loss and bring resolution to insurance claim disputes.
Our appraisal services are used in a wide range of insurance claims involving vehicles, homes, agricultural structures, commercial buildings, and other insured property.
If you are involved in a claim dispute, we can review your situation and help determine whether the appraisal process may be appropriate.
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Request a Claim Review
Types of Insurance Appraisals We Handle
Insurance appraisal can be used in many different types of claims where there is disagreement over the value of the loss. The Solvero Group provides appraisal services across several categories of insurance claims.
Auto Total Loss Appraisal
When a vehicle is declared a total loss, insurance companies determine the settlement value based on comparable vehicle data and valuation models. Disagreements often arise when the policyholder believes the insurance company’s valuation does not accurately reflect the true market value of the vehicle.
Our auto total loss appraisal services help resolve these disputes through the formal appraisal process.
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Auto Total Loss Appraisal →
Property Insurance Appraisal
Insurance appraisal is commonly used in property claims when there is disagreement over the cost to repair or replace damaged structures. These disputes may involve residential homes, commercial buildings, farm or ranch structures, or other insured property.
Appraisal provides a structured process to determine the fair value of the loss when the policyholder and insurer cannot agree.
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Property Insurance Appraisal →
Umpire Services
If the appraisers selected by each party cannot reach an agreement on the amount of loss, the appraisal process calls for the selection of an independent umpire. The umpire reviews the evidence and helps resolve the disagreement so the appraisal can be completed.
The Solvero Group provides experienced and impartial umpire services for appraisal disputes.
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Umpire Services →
When Insurance Appraisal May Be Appropriate
Insurance appraisal is typically used when there is a dispute over the amount of loss, rather than coverage.
Common situations where appraisal may be used include:
- Disagreement over the value of a totaled vehicle
- Disputes over the cost to repair property damage
- Contractor estimates that differ significantly from the insurance company’s estimate
- Disagreements over the scope of repairs required after a loss
- Commercial property damage disputes
- Farm or agricultural structure loss valuation disagreements
In these situations, the appraisal clause in the insurance policy may provide a path to resolve the dispute.
How the Insurance Appraisal Process Works
The appraisal clause establishes a structured process for determining the amount of loss when the policyholder and insurance company cannot reach agreement.
In general, the process works as follows:
- Each party selects a qualified appraiser
- The appraisers evaluate the loss and attempt to reach agreement on the amount of loss
- If the appraisers cannot agree, an umpire is selected
- Any agreement between two of the three determines the final amount of loss
This process allows claim valuation disputes to be resolved without the need for litigation.
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Learn More About the Appraisal Process →
Why Work With The Solvero Group
The Solvero Group provides independent appraisal services focused on fair and accurate loss valuation. Our work is grounded in industry experience and a clear understanding of insurance claim disputes.
We assist policyholders, insurers, and other parties involved in the appraisal process by providing professional evaluation and objective analysis of the loss.
Whether the dispute involves a vehicle, a residential property, a commercial building, or other insured structure, our goal is to help bring clarity and resolution to the claim.
Request a Claim Review
If you are involved in an insurance claim dispute and believe the appraisal process may apply, we can review your situation and help determine the next steps.
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Request Claim Review