The lifecycle of disputed insurance claims after a major storm is rather predictable. Although there are many variables from one state to the next, one bit of language that most policies (residential or commercial) carry is a binding dispute resolution process known as “Appraisal”. If you have a dispute with your insurance carrier over a Florence or Dorian claim in North Carolina, The appraisal process may be a consideration to save you time and money prior to litigation.
“Appraisal is a Policy Provision found in the Loss Settlement section. It is an Alternate Dispute Resolution, which can resolve disagreement when the Carrier and Policyholder do not agree on the amount of loss. It is an alternative to a lawsuit. Appraisal does not address coverage issues, but can include or exclude items based on causation depending on the state.” https://www.iaua.us/
