Appraisal basics
What is insurance appraisal?
A process written into most property policies for resolving disagreements about the amount of a covered loss. Each side names an appraiser, the appraisers pick an umpire, and an award signed by two of the three sets the amount.
Is appraisal the same as arbitration?
They are similar in that a panel reaches a decision, but appraisal is narrower. It is limited to the amount of loss and is usually less formal, with no discovery or witnesses in the courtroom sense.
Can I demand appraisal, or only the insurer?
Most policies let either side demand it. Some older or specialty forms require both sides to agree. Read your policy’s appraisal paragraph.
Does appraisal decide coverage?
Generally no. The panel values the loss. Whether a loss or part of it is covered is a separate question for the insurer and, if disputed, the courts.
Costs and fees
How much does an appraiser cost?
Fee arrangements vary: flat fees, hourly rates or a percentage of the increase. Get the arrangement in writing before any work starts. Our first conversation is free.
Who pays the umpire?
Most policies split the umpire’s fee equally between you and the insurer.
Is appraisal worth it on a small claim?
Sometimes not. If the gap is small, fees can absorb most of the gain. Our claim gap & fee estimator shows the break-even point.
Will the insurer pay my appraiser’s fee?
Typically not. Each side pays its own appraiser unless the policy or an agreement says otherwise.
Timing and deadlines
How long does appraisal take in Nevada?
Simple residential claims often resolve within two to three months after both appraisers are named. Commercial, smoke-heavy or contents-heavy claims can take longer, especially if an umpire is needed.
Is there a deadline to demand appraisal?
Some policies set one; many don’t. But your policy’s suit-limitation clause still runs. Watch it closely and ask a Nevada attorney if it is near.
What if the insurer doesn’t name its appraiser?
Many policies set a time limit for naming appraisers. If the insurer misses it, talk to a Nevada attorney about your options.
Can I still repair my home during appraisal?
Often yes, after documentation is complete. Protect the evidence first: photos, measurements and samples where relevant. Tell the insurer before you remove damaged materials.
Nevada specifics
Who regulates insurance in Nevada?
The Nevada Division of Insurance, part of the Department of Business and Industry, with offices in Carson City and Las Vegas. It licenses insurers and adjusters and accepts consumer complaints.
Does Nevada have a FAIR plan?
As of this writing, Nevada does not operate a state FAIR plan. Homeowners who can’t find standard coverage often turn to surplus lines insurers. Check with the Division of Insurance for current options.
Is earthquake damage covered by my homeowners policy?
Usually not. Earthquake coverage is generally a separate policy or endorsement with a percentage deductible.
What protections exist if my insurer handles the claim unfairly?
Nevada’s unfair claims practices statute sets standards insurers must follow, and Nevada courts recognize bad-faith claims against insurers in some circumstances. These are legal matters for a Nevada attorney.
Do you cover rural Nevada?
Yes. We work in all 16 counties and Carson City, from Clark County to Elko, Humboldt and White Pine counties.
Working with us
Are you a public adjuster or a lawyer?
Neither. We are appraisers and estimators. We don’t negotiate claims outside appraisal and we don’t give legal advice.
Can you work with my contractor or attorney?
Yes. We often coordinate with contractors and attorneys, but on an appraisal panel we act independently.
What should I send for a first review?
The insurer’s full estimate, your declarations page, any letters from the insurer, your photos and your contractor’s estimate if you have one.