The issue in a nutshell
An appraiser should independently review and verify the estimate amounts for reasonableness. If a contractor or specialty vendor document checks out, the appraiser may adopt it as their figure. That is normal, efficient, and fair to all parties.
Why this makes sense in real claims
Appraisers can price common trades — roofing, drywall, paint, cabinetry, flooring — because those are standard scopes with widely available pricing. But many items are specialty work that only licensed experts should scope and price. Examples:
Practice reality: a public adjuster or appraiser isn't an elevator technician or NICET designer. Reviewing and, when reasonable, adopting the specialist's document is standard practice.
How an independent appraiser evaluates and adopts a document
- Verify the estimate amounts are reasonable for the work claimed and jurisdiction.
- Ensure the charges relate to the covered loss and policy terms.
- Remove any duplication, betterment, or non‑covered items.
- Compare against typical market norms and available vendor comps.
- Note any adjustments/exclusions and retain the source documents.
Invoice vs. estimate: An invoice reflects what was incurred or obligated. If reasonable and in‑line with the evidence and market, it can be adopted. For a pre‑work estimate, the same principle applies: verify first; adopt if sound, with notes.
Common objections & quick replies
I performed an independent evaluation and, after verifying the estimate amounts, adopted a competent specialty document rather than re‑typing it.
Please identify policy language or controlling authority that requires a duplicative estimate when a vetted invoice is reasonable.
Independence is shown by verification and judgment, not by duplicating keystrokes.
FAQ
Is this about the appraisal process pursuant to homeowners insurance policies? Yes. That is the exact context addressed here: how appraisers conduct an independent review and, when appropriate, adopt specialty invoices or estimates in homeowners claims.
This site is informational and not legal advice. Policy wording and state law vary.
Example Appraisal Clause (for illustration only)
Including an example clause helps readers recognize common terms and aids searchers looking for appraisal clause language related to homeowners policies.
If you and we fail to agree on the amount of loss, either may demand an appraisal. Each party will select a competent and impartial appraiser and notify the other of the appraiser selected within 20 days. The two appraisers will select an umpire. If they cannot agree, either may request that selection be made by a judge of a court of record in the state where the residence premises is located.
The appraisers will state separately the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will pay its chosen appraiser, and bear the other expenses of the appraisal and the umpire equally.
Actual policy language differs by insurer and state. Always consult the operative homeowners insurance policy for controlling terms.
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Disclaimer
This site is general information about the appraisal process and does not constitute legal advice. Policies and laws vary by jurisdiction.