In property insurance claims, when a policyholder disagrees with an insurance company over the amount of loss, the state of Minnesota provides an alternative process for resolving such disputes. This process is known as “appraisal”. If an appraisal is demanded by either the policyholder or the insurance company, each party must hire and pay for an appraiser and split the cost of a neutral umpire to create a three-person appraisal panel. The two appraisers individually appraise the loss and submit their decisions to the umpire, who is then charged with resolving any discrepancies. In practice, the two appraisers serve as de facto advocates for whichever party is paying their bill.
Appraisals involve working with public and private adjusters whose job it is to make your case in front of the appraisal panel. Lawyers often get involved to ensure the process is running smoothly, fairly, and according to the law. Having a lawyer present at the appraisal can lead to better outcomes and a quicker timeline post-appraisal. If the insurance company decides to deny coverage after the appraisal award, having an attorney ensures you have the best chance possible to recover the money you deserve from your insurance company.
At Kenneth Ubong Udoibok, P.A., we will meticulously review and evaluate appraisal claims. We are not intimidated by insurance companies and come to the appraisal process ready to advocate zealously on your behalf.
We Offer a Reasonable Fee Structure
Depending on the type of the claim and extent of loss, we may offer flat fee or hourly fee arrangements. Prompt and courteous representation is the cornerstone of our business.
You can count on us if you need assistance with your home or commercial property claim. We offer free initial consultations, and in person appointments. Call us at 612-808-6031 to speak to us, or reach out via our online contact form.
