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Property owners with a disputed claim often aren’t sure who to call. Here’s a quick guide to the three most common options in Delaware.
Appraiser
An appraiser works within the policy’s appraisal clause on one question: the amount of loss. Best when coverage is accepted and the dispute is about scope or price. The result is a binding award on the amount.
Public adjuster
A public adjuster is licensed by the Delaware Department of Insurance to represent policyholders in preparing and negotiating claims. Best early in the claim, when you want help managing the whole process. Fees are typically a percentage of the settlement, and state rules govern contracts and fees.
Attorney
A Delaware attorney handles legal disputes: denials, coverage questions, bad-faith concerns and approaching deadlines. Attorneys can file suit if needed.
Quick comparison
| Situation | Usually best fit |
|---|---|
| Coverage accepted, amount disputed | Appraiser |
| Early claim, want full-service help | Public adjuster |
| Claim denied or deadline close | Attorney |
| Concerns about insurer conduct | Attorney |
Sometimes more than one is involved. An attorney may recommend appraisal for the amount while handling legal issues separately. We’ll tell you honestly if your claim needs someone other than us.
Keep reading
Reading Your Carrier’s Estimate Line by Line
Insurance estimates are dense, but the structure is predictable. Here’s what to look for on each page.
When Appraisal Is the Wrong Move
Appraisal is powerful, but it’s not always the right tool. Here are the situations where we’d steer you elsewhere.