The Georgia insurance appraisal process explained
When a homeowner and carrier cannot agree on the amount of loss, most Georgia policies include an appraisal clause for resolving the dispute outside of court. This guide explains how the process works in plain English. It is educational only and not legal advice.
Educational content only — not legal, tax, or licensed insurance advice. For binding guidance on your specific claim, speak with a licensed Georgia public adjuster or attorney.
What appraisal resolves — and what it doesn't
Appraisal is designed to resolve disputes on the amount of loss only. It does not resolve coverage disputes — whether the loss is covered in the first place — and it does not address bad faith. Coverage and bad-faith disputes are generally handled through litigation with an attorney.
How the process works
- Either side invokes the clause in writing
- Each side selects a competent and impartial appraiser
- The two appraisers jointly select a neutral umpire
- Each side pays its own appraiser; the umpire fee is split
- Any two of the three agreeing in writing fixes the amount of loss
When invoking appraisal usually makes sense
Most homeowners consider appraisal when the dollar gap between the carrier's estimate and a credible independent estimate is large enough to clearly outweigh appraiser and umpire fees, when documentation is strong, and when coverage itself is not in dispute.
Choosing an appraiser
Your appraiser should be competent in the type of loss and impartial. Many homeowners use a licensed public adjuster, an experienced contractor, or a forensic estimator. Avoid anyone with a financial interest in the outcome beyond their disclosed appraisal fee.
What to bring to appraisal
- Full carrier estimate (line-item, not just the check stub)
- Independent contractor estimates covering the same scope
- Photographs, video, and moisture or thermal readings where applicable
- Reports from any industrial hygienist, structural engineer, or roofer
- Receipts for mitigation, temporary repairs, and additional living expenses
Frequently asked questions
Is appraisal binding?
On amount of loss, yes — once two of the three (your appraiser, the carrier's appraiser, and the umpire) agree in writing, that amount is binding on both parties.
Can the carrier refuse appraisal?
Only if the dispute is actually about coverage rather than amount of loss. Misuse of that distinction is itself a contested issue and may require an attorney.
How long does appraisal take?
Most appraisals resolve in weeks to a few months depending on scheduling, documentation, and the umpire's availability.
Do I need a lawyer for appraisal?
Appraisal does not require a lawyer, but if coverage or bad faith may also be in play, talking to a Georgia insurance attorney before invoking is usually wise.
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