Appraisal & Arbitration
When insurance companies undervalue your claim, we fight for fair settlement through appraisal and arbitration—backed by 40+ years of construction expertise.
Appraisal & Arbitration Services
Appraisal Support
Expert support for the insurance appraisal process with construction expertise.
Appraiser Services
Serve as your appraiser with deep construction and estimating knowledge.
Documentation
Detailed estimates and documentation to support your appraisal position.
Arbitration Support
Expert testimony and documentation for arbitration proceedings.
Fighting for Fair Settlements
Insurance companies routinely undervalue claims. When negotiation fails, the appraisal process provides a path to fair settlement without expensive, lengthy litigation.
When to Consider Appraisal
- Your claim settlement offer is significantly below repair costs
- The adjuster excluded legitimate damage from the estimate
- Negotiations have stalled with no progress
- You have documentation supporting higher values
The FCS Advantage in Appraisal
Appraisal is ultimately about construction costs. FCS brings 40+ years of actual construction experience—not just estimating theory. We know what repairs truly cost because we perform them.
Frequently Asked Questions
Frequently Asked Questions
Appraisal is a dispute resolution process outlined in most insurance policies. When you and your insurer disagree on claim value, each party selects an appraiser. The two appraisers select an umpire. If the appraisers can't agree, the umpire makes binding decisions. It's faster and less expensive than litigation.
Consider appraisal when your claim is significantly underpaid (usually 20%+ difference), when the insurer refuses to include legitimate damage, or when negotiations have stalled. Appraisal addresses the amount of loss, not coverage disputes—those require different remedies.
Appraisal determines the amount of loss under an existing claim. Arbitration can address broader disputes including coverage questions and bad faith claims. Many policies require appraisal before arbitration or litigation for amount disputes.
Yes—appraisers should understand construction costs. FCS provides expert construction knowledge to the appraisal process, ensuring your appraiser understands true repair costs, not just insurance company pricing databases.
Property owners frequently recover 30-50% more than the original insurance offer through appraisal. The process validates legitimate damage and costs that adjusters initially missed or undervalued.
Typical appraisals take 30-90 days from demand to award, depending on complexity and cooperation. It's significantly faster than litigation, which can take years.
Claim Underpaid?
Let FCS help you through the appraisal process for a fair settlement.
Call (813) 420-7561