Insurance appraisal is one process a homeowner policy may provide when the policyholder and insurer disagree about the amount of a roof loss. The exact terms, deadlines and covered damage depend on the policy. This guide explains the usual steps and how a roofer can document roof conditions and prepare a repair estimate without interpreting coverage or acting as an appraiser.
1. Filing your roof insurance claim
Start by contacting your insurance company to open a claim. Clear documentation makes a big difference. We can inspect your roof and provide photos and a written description of the damage for your records.
2. The adjuster’s inspection
An insurance adjuster will inspect the damage and estimate the cost of repairs or replacement. If you have questions about the adjuster’s estimate, a detailed repair estimate from a roofer who has been on your roof can help you compare.
3. Requesting an insurance appraisal
Many homeowner policies include an appraisal clause. If you and your insurer disagree on the amount of the loss, either side can usually request an appraisal in writing. Read your policy for the exact terms and deadlines.
4. Selecting appraisers
Each side typically selects its own independent appraiser. If the two appraisers can’t agree, they choose a neutral umpire to settle the difference.
5. The appraisal process
The appraisers evaluate the damage and repair costs independently. In most policies, an agreement signed by any two of the three (the two appraisers and the umpire) sets the amount of the loss.
6. Final settlement
Once the amount is set, your insurance company processes payment based on your policy terms. Our detailed estimate helps you understand exactly what the repairs involve.
Where to get help
For questions about your policy or your rights, contact your insurance company or the Alabama Department of Insurance. For your roof itself, 256-ROOFERS can inspect it, document the damage with photos and give you an honest repair estimate. Call 1-256-ROOFERS to schedule a free inspection.
This article is general information, not legal or insurance advice. Every policy is different.
