Sample Appraisal Invocation Letter
This template provides the structure for formally invoking the appraisal clause under your property insurance policy. Use it when you and the carrier cannot agree on the amount of loss and your policy includes an appraisal provision.
What this sample includes: Claim and policy references, formal invocation language, policy section citation, appraiser nomination, request for carrier’s appraiser, and timeline expectations. Claim amount illustrative ($25,000–$50,000).
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Claims Department – Appraisal Coordinator
Southern Fire & Casualty Insurance Company
Claims Division – P.O. Box 2100
Houston, TX 77252
To Whom It May Concern:
I am writing to formally invoke the appraisal clause under my homeowner’s policy. Despite multiple attempts to resolve the amount of loss through negotiation and supplement submission, we remain at an impasse. The appraisal process is the contractual mechanism to resolve this dispute.
Claim Reference: Claim #SFC-2025-662148
Policy Number: SFC-44192-2025
Loss Date: August 22, 2025
Loss Type: Wind and hail damage to dwelling roof, siding, and interior
Property Address: 1847 River Oaks Boulevard, Houston, TX 77019
Policy Section Reference:
In accordance with the appraisal provision under Section [Appraisal Clause] of my policy, I hereby invoke my right to appraisal. The policy states that either party may demand an appraisal when there is a disagreement on the amount of loss.
Amount in Dispute: The carrier’s most recent estimate is approximately $18,600. My documented repair cost, supported by contractor estimates and scope documentation, is approximately $42,300. The disagreement on the amount of loss is substantial and warrants appraisal.
Appraiser Nomination:
Pursuant to the policy’s appraisal clause, I nominate the following as my appraiser:
- Name: [Name of Licensed Appraiser / Public Adjuster]
- Firm: [Appraiser Firm Name]
- Contact: [Phone and Email]
Request for Carrier’s Appraiser:
Please notify me in writing within 20 calendar days of the date of this letter with the name and contact information of your designated appraiser. Upon receipt, the two appraisers will work to agree on the amount of loss. If they cannot agree, they will submit their differences to a mutually selected umpire.
Timeline Expectations:
- Your appraiser designation: within 20 days of this notice
- Appraisers to confer and attempt agreement: within 30 days of both appraisers being designated
- Umpire selection if needed: per policy terms
I expect full cooperation in completing the appraisal process in a timely manner. I will provide my appraiser with all supporting documentation, including contractor estimates, photographs, and prior correspondence. Please confirm receipt of this invocation and provide your appraiser designation as soon as practicable.
Sincerely,
Patricia L. Walsh
Policyholder
Usage Instructions
- Verify that your policy includes an appraisal clause before invoking. Not all policies have one.
- Replace all placeholder names, addresses, claim numbers, policy numbers, and the appraiser nomination with your own information.
- Identify a qualified, independent appraiser (many states require licensure).
- Send via certified mail with return receipt; retain copies and proof of mailing.
- Review your policy’s specific appraisal language for exact procedures and deadlines.
Customization Guidance
- Insert the exact policy section number or heading for the appraisal clause (e.g., “Section E.3” or “Appraisal”).
- Adjust timelines to match your policy’s terms or state requirements.
- Consider consulting an attorney or public adjuster before invoking appraisal, as the process can be binding.
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