My insurer denied the roof, or paid for half of it. Now what?
Start by reading your policy for the appraisal clause. Most Texas homeowners policies include one for disputes over the amount of a loss. Each side chooses an appraiser, the two appraisers choose an umpire, and an amount agreed on by any two of the three is binding. Appraisal is usually slower than a supplement and faster than a lawsuit.
What the appraisal clause says
The wording varies by insurance company, but the process is similar. If you and the insurer disagree on the amount of the loss, either side can request an appraisal in writing. Each side chooses an appraiser, and the two appraisers choose an umpire. If they cannot agree on an umpire, a court can appoint one. An amount agreed on by any two of the three is binding. Each side pays its own appraiser and usually splits the cost of the umpire.
When appraisal can help
Appraisal settles disputes over the amount of a loss, not over whether the loss is covered. If the insurer agrees there is damage but pays for only part of the roof, or leaves out items such as decking, ridge caps or gutters, appraisal may help. The first step is usually a supplement, which is a request for the insurer to cover items that were missed. Appraisal is often the next step when a supplement is denied.
What to expect
Appraisal can take weeks or months, and it depends on good documentation of the damage. The Texas Department of Insurance publishes information about appraisal, and the clause itself is usually in the conditions section of your policy. If your roof claim has been denied or underpaid, call us and we can talk through your options.
Related questions
Does appraisal cost anything?
Yes. Each side usually pays its own appraiser and splits the cost of the umpire. Whether it is worth it depends on the size of the dispute.
Can the insurer refuse appraisal?
If the policy includes an appraisal clause and the dispute is about the amount of the loss, appraisal is generally available. If you run into problems, you can contact the Texas Department of Insurance.
