If you’re a homeowner or property owner in Florida and you've filed an insurance claim only to find that the payout is far less than expected, you’re not alone. This is where the insurance appraisal process comes in—a powerful tool under your policy that can help resolve disputes over claim amounts, especially for property damage.
What Is an Insurance Appraisal?
An insurance appraisal is a method for resolving disagreements between policyholders and insurance companies about the value of a loss—usually related to damage from storms, water leaks, fires, or hurricanes.
This process is not a full legal trial—instead, it’s more like a private arbitration where both sides present their valuations, and a neutral third party makes the final call.
When Do You Use the Appraisal Process?
You typically use the appraisal clause when:
You and the insurer disagree on the value of the damage or the repair cost.
You want to avoid a lawsuit or lengthy legal battle.
The coverage itself is not in question—only the amount to be paid.
???? Example: Your roof was damaged in a hurricane. Your insurance company offers $10,000, but a contractor quotes $25,000 for full repairs. You believe the offer is too low. This is where appraisal helps.
How Does the Appraisal Process Work in Florida?
You trigger the appraisal clause in your insurance policy (usually by sending written notice).
Each party hires an appraiser (you hire one, and the insurance company hires one).
The two appraisers select a neutral umpire.
All three evaluate the damage and attempt to agree on the value.
If two out of the three agree, Loss consulting that value becomes binding.
Pros of the Insurance Appraisal Process
Faster than litigation
Less expensive than going to court
Final and binding (brings closure)
Can be used for residential, commercial, and condo property claims
Cons to Consider
You usually can’t dispute the outcome afterward
Doesn’t resolve coverage issues—only valuation disputes
You pay for your own appraiser and half of the umpire’s fee
Do All Florida Policies Have an Appraisal Clause?
Most homeowners and property insurance policies in Florida do include an appraisal clause, but not all. It’s important to read your policy or have a public adjuster, attorney, or appraiser review it for you.
Choosing an Insurance Appraiser in Florida
Look for someone who is:
Experienced with Florida-specific claims (hurricanes, sinkholes, water damage)
Independent and not affiliated with insurers
Transparent about fees and the process
Ideally licensed as a public adjuster or with construction/restoration experience
Popular areas with high appraisal activity in Florida include:
Miami-Dade and Broward County
Tampa Bay
Orlando
Fort Myers and Naples
The Panhandle (especially post-hurricane claims)
Final Thoughts
Florida’s insurance appraisal process gives policyholders a fair and legal way to challenge underpaid claims without heading straight to court. If you believe your insurer has undervalued your loss, exercising your right to an appraisal could be the smartest move you make.