Overview
Purpose
- Use once coverage is accepted but valuation remains disputed.
- Cite the appraisal clause, the disputed amount, and desired response date.
- Identify your chosen appraiser and propose neutral umpire options.
Quality checklist
Ready-to-send
- Confirm prerequisites are met (proof of loss, initial payment, coverage acceptance).
- State claim number, policy, loss date, property address, and contact details.
- Show valuation gap with side-by-side comparison to carrier numbers.
- Include clear instructions for scheduling and written responses.
What to include
Use these pieces to keep the appraisal demand packet complete.
Core documents
Build the file
- Formal appraisal demand letter referencing policy language.
- Appraiser designation notice with contact info and credentials.
- Proposed umpire list with resumes and conflict confirmations.
Supporting proof
Evidence to attach
- Recent estimates from both sides with highlighted variances.
- Annotated photos or reports supporting disputed line items.
- Email or letter history showing impasse on value.
Delivery notes
Keep it moving
- Send via email and certified mail; keep receipts in the claim file.
- Log response deadlines and calendar the umpire selection window.
- Share the demand packet with the insured and retained vendors.