Insurance appraisal can resolve a disagreement about the amount of loss, but it does not settle every claim issue. Understand the panel’s roles, the importance of a documented estimate, and what to consider before invoking the process.
Estimate disputes are often described as pricing disagreements even when price is not the real issue. A useful comparison identifies the type of disagreement before attempting to resolve the total. If one estimate includes work that the other omits, changing the unit price will not resolve the difference. If both estimates include the same activity … Read more
Mathematical accuracy and scope completeness are different controls. Confusing them can make an orderly estimate appear more conclusive than it is. A property estimate may total perfectly, carry its taxes correctly, and reconcile ACV to RCV without answering the more important technical question: does the document describe the work reasonably supported by the loss record? What … Read more
Shared software does not mean shared scope, measurements, repair assumptions, or supporting evidence. Property estimates are sometimes compared as though the software should produce one correct answer. It does not. Estimating platforms organize line items, pricing information, measurements, and calculations supplied by the estimator. Two people can work in the same platform and produce materially … Read more