Appraisal basics
What is insurance appraisal?
It’s a process written into most property policies for resolving disagreements about the amount of a covered loss. Each side picks an appraiser, the appraisers pick an umpire, and any two of the three can sign a binding award on the amount.
Is appraisal the same as arbitration?
They’re similar but not identical. Appraisal is limited to the amount of loss, while arbitration can address broader issues. How courts treat each can differ, so ask an attorney if the distinction matters to your case.
Does appraisal decide coverage?
No. Appraisal sets the amount of loss. Whether something is covered is a separate question for the insurer, the Department of Insurance or the courts.
Can the insurance company demand appraisal?
Yes. Either party can invoke appraisal under most policies, and the process works the same way regardless of who demands it.
Delaware specifics
Who regulates insurance in Delaware?
The Delaware Department of Insurance, led by an elected Insurance Commissioner. The department handles consumer complaints and enforces the state’s insurance laws, including unfair claim practices rules.
Does Delaware have a FAIR plan?
Yes. Delaware’s FAIR plan, the Insurance Placement Facility of Delaware, provides basic property coverage for owners who can’t find it in the regular market. Its policies have their own terms, so check whether yours includes an appraisal provision.
What does Delaware law say about bad faith?
Delaware regulates unfair claim settlement practices through Title 18 of the Delaware Code, enforced by the Department of Insurance, and Delaware courts have recognized bad-faith claims against insurers in some circumstances. These are legal questions; appraisal doesn’t address them, so talk to a Delaware attorney.
How many counties does Delaware have?
Three: New Castle, Kent and Sussex — the fewest of any state. We work in all three.
Is flood covered by my homeowners policy?
Usually not. Flood from storm surge, tides or rising creeks is typically covered by a separate NFIP or private flood policy.
Costs & fees
Who pays for appraisal?
Each side pays its own appraiser, and the umpire’s fee is usually split equally. Check your policy for the exact terms.
How do appraisers charge?
Fees may be flat, hourly or a percentage of the increase. We put our fee in writing before any work starts.
Is it worth it for a small gap?
Often not. If the gap is only a few thousand dollars, a documented supplement request may resolve it faster and cheaper.
Timing & deadlines
How long does appraisal take?
Many residential claims resolve within six to twelve weeks of both appraisers being named. Complex claims take longer.
Is there a deadline to invoke appraisal?
Some policies include one, and other deadlines (such as suit limitations) still run. Read your policy and talk to an attorney if a deadline is close.
When should I involve an attorney?
If coverage is denied, a deadline is approaching, the insurer alleges fraud, or you believe the insurer acted in bad faith.
Working with us
Do you serve all of Delaware?
Yes, every community in New Castle, Kent and Sussex counties, from Claymont to Fenwick Island.
Are you a public adjuster?
No. We work as appraisers, estimators and umpires. We don’t negotiate claims outside appraisal, and we don’t give legal advice.
What should I send for a free review?
The carrier’s full estimate, your declarations page, any letters from the insurer, your photos and any contractor estimates.