When can the appraisal clause be invoked?
Either the insured or the carrier may invoke appraisal when a genuine dispute exists over the amount of loss. The policy governs the conditions and timing. Invocation does not waive coverage defenses or any other rights of either party
Does appraisal determine coverage?
No. The appraisal process addresses only the amount of the loss. Coverage determinations including applicability of exclusions or whether the policy was active remain separate matters outside the appraisal’s authority.
What is Titan Risk Adjusters role in the process?
As an independent appraisal firm, our role is to determine the value of the disputed damage and produce a defensible, documented appraisal report. We maintain neutrality throughout the process, committed only to the accuracy of the award and the integrity of the appraisal.
How long does the process take?
Our sample data reflects a median timeline of 46 days from receipt to resolution, with an average of 53.7 days. The duration depends on claim complexity, scheduling logistics, and the level of disagreement between the parties. These numbers are representative of a sample of our files.
What makes an appraisal report defensible?
Defensibility comes from documented field measurements, time‑stamped photographs, industry‑standard cost data, code analysis, and a clear methodology. Titan Risk Adjusters produces reports built to hold up under review by appraisers, umpires, or the court.
Who pays for the appraisal?
Each side bears the cost of its respective appraiser, while umpire fees are usually shared equally. Titan Risk Adjusters outlines all fee arrangements transparently prior to finalizing any engagement.
Experience the advantage of a disciplined, process‑driven method for resolving property insurance disputes