Underpaid Fire Insurance Claims And Appraisal
If your payout seems too low, you have options. Here's how to push back.
Free and independent. Some partners pay us, which never affects our guides. How we make money.
Steps To Take
- Ask for the reason in writing, and which policy language it's based on.
- Get your own estimates from licensed contractors.
- Send them to your adjuster and ask for a re-review.
What Appraisal Is
Many policies have an appraisal clause. If you and the insurer disagree about the amount, each side hires an appraiser. If they can't agree, an umpire decides. It's usually faster and cheaper than a lawsuit.
Getting Help
- A licensed public adjuster can negotiate for you (the fee is capped at 10% of the claim payment in Texas).
- For large disputes, talk with a Texas insurance attorney.
- File a complaint with the Texas Department of Insurance if the insurer isn't following the rules.
Contact the Texas Department of Insurance at 1-800-252-3439 to confirm your options.