You filed an insurance claim, the carrier came back with a number, and it does not come close to covering your loss. You do not have to accept it. Most insurance providers incorporate an appraisal clause in their policies, and it exists precisely for this moment. Teak Claim Consultants invokes it on your behalf, and we have a strong track record of recovering what is owed to our customers.

What Is the Appraisal Clause?

The appraisal clause is a provision found in most insurance policies that gives you formal recourse when you and your carrier disagree about the amount of a loss. In broad terms, each side retains its own appraiser, and the process resolves the difference between the two valuations. It is a structured way to challenge a settlement without immediately resorting to litigation.

Carriers rarely advertise this clause. We know the fine print, and we use it.

When to Invoke It

A lowball total loss valuation. The carrier's actual cash value figure ignores your vehicle's options, condition, or the relevant market in your area.
A short collision repair estimate. The carrier's estimate will not cover what your auto body shop actually needs to restore the vehicle safely and correctly.
A homeowners settlement that misses scope. Hail, wind, or water damage priced well below what a qualified contractor would charge where the loss occurred.
A commercial loss undervalued by the carrier. Buildings, trailers, and equipment where the settlement does not reflect replacement reality.

Why Documentation Matters

An appraisal dispute depends on evidence. A thorough valuation connects the condition of the property, the scope of the loss, and relevant market data to a clear, supportable number. That gives both sides a concrete basis for resolving the disagreement.

How the Process Works

1. Review Your Settlement Offer

Send us the carrier's offer, your policy, and your documentation. In a free consultation, we will tell you whether the numbers justify invoking the clause.

2. Invoke the Appraisal Clause

We handle the formal notice to your carrier and take the procedural steps your policy requires.

3. Build the Independent Appraisal

We document your loss thoroughly, research current market data, and prepare a valuation that can withstand scrutiny.

4. Resolve the Difference

We see the process through until the outcome reflects the true value of your loss, and we keep you informed at every turn.

Frequently Asked Questions

Do I need a lawyer to invoke the appraisal clause?

The appraisal clause is a contractual right inside your policy, not a lawsuit. Many disputes resolve entirely within this process. For questions of legal coverage interpretation, we will tell you honestly when an attorney is the right call.

How long does an appraisal clause dispute take?

It varies with the carrier and the complexity of the loss, from a few weeks to a few months. It is almost always faster than litigation.

What if my claim was denied outright?

The appraisal clause resolves disputes about the amount of a covered loss. If your claim was denied entirely, that is a different fight, and our public adjuster representation service is built for it.

Do Not Settle for the First Number

Teak Claim Consultants is based in Billings, Montana, and works remotely with policyholders in Washington, Oregon, Idaho, Montana, Wyoming, Nevada, Utah, Arizona, New Mexico, North Dakota, South Dakota, and Nebraska. Policy review, document collection, market research, appraisal preparation, and carrier communication can usually be handled electronically. Call (406) 561-8857 for a free consultation before you accept a settlement you do not believe in.