03/31/2026
I believe that most insurance companies try to do the right thing an pay claims fairly, However some companies are very hard to deal with. Do you feel your client’s insurance claim was underpaid? Are you now stuck going back and forth with the insurance desk adjuster?
Most homeowners aren’t aware that their policy is likely to include an Appraisal Clause, a powerful option that can help resolve disputes without going to court. Most Appraisal Clauses read something like this.
Appraisal-In case the insured and this Company shall fail to agree as to the actual cash value or the amount of loss, then, on the written demand of either, each shall select a competent and disinterested appraiser and notify the other of the appraiser selected within twenty days of such demand.
The appraisers shall first select a competent and disinterested umpire; and failing for fifteen days to agree upon such umpire, then on request of the insured or this Company such umpire shall be selected by a judge of a court of record in the state in which the property covered is located.
The appraisers shall then appraise the loss, stating separately actual cash value and loss to each item, and failing to agree, shall submit their differences, only, to the umpire. An award in writing, so itemized, of any two when filed with this Company shall determine the amount of actual cash value and loss.
Each appraiser shall be paid by the party selecting him and the expenses of appraisal and umpire shall be paid by the parties equally.
Company's options-It shall be optional with this Company to take all, or any part, of the property at the agreed or appraised value, and also to repair, rebuild, or replace the property destroyed or damaged with other of like kind and quality within a reasonable time, on giving notice of its intention to do so within thirty days after the receipt of the proof of loss herein required.
Appraisal is typically faster and far more cost-effective than litigation, with MOST claims resolved in as little as 60-90 days. It also goes both ways an insurance company can hire an appraiser first on a disputed claim.
My name is Brandon J. Babineaux, owner of Cajun Claim Services. I am a licensed, insured, and IAUA-certified Appraiser & Umpire with over 22 years of experience in the insurance industry. I am also a Marine Corps Veteran, Louisiana resident, and I hold a Bachelor’s degree in Business.
If you need an experienced appraiser or know someone who does please don’t hesitate to reach out or share my information.
Thank you in advance,
Brandon J. Babineaux
Cajun Claim Services
337-983-2501
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