Nearly all property insurance policies contain appraisal clauses that allow the insured and the carrier to resolve "amount of loss" disputes. 

In Arizona, appraisers only determine the amount of damage and do not resolve questions of coverage; adjustment and coverage are
determined separately. 

A typical provision normally provides that:

  1. Either party to the insurance contract, the insurer or the policyholder, may demand an appraisal;
  2. Each party selects an appraiser, and each party pays for their own appraiser;
  3. The appraisers select an Umpire together, or one is appointed by the court if the appraisers cannot agree on an umpire. Each Party pays 1/2 of the Umpires Fees if the Umpire's assistance is necessary;
  4. The appraisers independently estimate and try to come to an agreement as to the value of the loss, while elements of loss upon which no agreement can be reached are submitted to the umpire for determination;
  5. A decision made by any two of the three parties becomes binding.

Umpire services

Appraisal services

Whether the property entering appraisal is an:

  • Apartment complex
  • Church
  • Condominium
  • Retail center
  • Office
  • Medical building
  • Primary residence

AICS has both the Construction and Insurance background required to completely and comprehensibly appraise the full extent of damage. We will fight for the fair and feasible appraisal award necessary to allow you to properly rebuild.

Preparing an appraisal requires:

  • Loss Specific Research Capabilities
  • Access to Current Technologies
  • Comprehensive Analysis of all information
  • Insurance Policy Expertise
  • Extensive Construction Expertise
  • Honed Negotiating skills
  • Clear judgment

AICS provides the tenacity you need and the experience you require, and we will take every measure to ensure an appraisal award that is Fair & Owed.

Member of

AZ Insurance Claims Association

For Your Free Consultation

Call: 800-769-8750

An Umpire is the person who is charged with making a final decision.  Umpires become involved in an appraisal when two appraisers can not come to an agreement regarding the value of property or the amount of a property loss.

The ideal Umpire is:

  • Trustworthy
  • Competent
  • Impartial
  • Independent
  • Un-biased

He/she will command respect while observing and demanding high standards of conduct. He/She must have the ability to render a timely, intelligent, and impartial decision while guarding the integrity and fairness of the appraisal process.

An AICS Umpire has all of these characteristics PLUS the one quality that many Umpires simply do not possess; a Verifiable & Extensive Background in Construction Methods, Construction Technology, Construction Management, & Practical Hands-On Experience in the Field of Construction & Insurance Policy.


the appraisal clause & process