Insurance appraisal in every state
The appraisal clause sits in almost every property policy, and every state runs it a little differently. Pick a state to see the deadlines, who may serve, what the panel can decide and what the award does.
Clause written into state law (27)Clause comes from the policy (19)Appraisers and umpires licensed (2)Appraisal only by agreement (3)
Clause written into state law 27
The state requires the appraisal clause or sets how appraisal works.
- AlaskaAKAppraiser: 10 days · Umpire: by agreement
- ArizonaAZAppraiser: 20 days · Umpire: 15 days
- CaliforniaCAAppraiser: 20 days · Umpire: 15 days
- ConnecticutCTAppraiser: 20 days · Umpire: 15 days
- GeorgiaGAAppraiser: by agreement · Umpire: by agreement
- HawaiiHIAppraiser: 20 days · Umpire: 15 days
- IdahoIDAppraiser: 20 days · Umpire: 15 days
- IllinoisILAppraiser: 20 days · Umpire: 15 days
- MaineMEAppraiser: 20 days · Umpire: 15 days
- MassachusettsMAAppraiser: 10 days · Umpire: 10 days
- MichiganMIAppraiser: 20 days · Umpire: 15 days
- MinnesotaMNAppraiser: 20 days · Umpire: 15 days
- MissouriMOAppraiser: 20 days · Umpire: 15 days
- New HampshireNHAppraiser: 20 days · Umpire: 15 days
- New JerseyNJAppraiser: 20 days · Umpire: 15 days
- New YorkNYAppraiser: 20 days · Umpire: 15 days
- North CarolinaNCAppraiser: 20 days · Umpire: 15 days
- North DakotaNDAppraiser: 20 days · Umpire: 15 days
- OklahomaOKAppraiser: 20 days · Umpire: 15 days
- OregonORAppraiser: 20 days · Umpire: 15 days
- PennsylvaniaPAAppraiser: 20 days · Umpire: 15 days
- Rhode IslandRIAppraiser: 20 days · Umpire: 15 days
- TexasTXAppraiser: 20 days · Umpire: 15 days
- VirginiaVAAppraiser: 20 days · Umpire: 15 days
- WashingtonWAAppraiser: 20 days · Umpire: 15 days
- West VirginiaWVAppraiser: 20 days · Umpire: 15 days
- WisconsinWIAppraiser: 20 days · Umpire: 15 days
Clause comes from the policy 19
The standard policy form carries the clause; the state adds little or nothing.
- AlabamaALAppraiser: 20 days · Umpire: 15 days
- ColoradoCOAppraiser: 20 days · Umpire: 15 days
- DelawareDEAppraiser: 20 days · Umpire: 15 days
- District of ColumbiaDCAppraiser: by agreement · Umpire: by agreement
- FloridaFLAppraiser: 20 days · Umpire: 15 days
- IndianaINAppraiser: 20 days · Umpire: 15 days
- KansasKSAppraiser: by agreement · Umpire: by agreement
- KentuckyKYAppraiser: by agreement · Umpire: by agreement
- MarylandMDAppraiser: 20 days · Umpire: 15 days
- MississippiMSAppraiser: 20 days · Umpire: 15 days
- MontanaMTAppraiser: by agreement · Umpire: by agreement
- NevadaNVAppraiser: by agreement · Umpire: by agreement
- New MexicoNMAppraiser: 20 days · Umpire: 15 days
- OhioOHAppraiser: 20 days · Umpire: 15 days
- South CarolinaSCAppraiser: 20 days · Umpire: 15 days
- TennesseeTNAppraiser: 20 days · Umpire: 15 days
- UtahUTAppraiser: 20 days · Umpire: by agreement
- VermontVTAppraiser: 20 days · Umpire: 15 days
- WyomingWYAppraiser: 20 days · Umpire: 15 days
Appraisers and umpires licensed 2
The state licenses or registers the people who may serve.
Appraisal only by agreement 3
Appraisal happens only when both sides agree to it.
Before you decide anything
Is a claim stuck on the number?
Tell us what happened and where. We'll read the policy and tell you plainly whether appraisal fits.
When you write to us
- We read the policy, the estimates on both sides and the letters that came with them.
- We tell you plainly whether appraisal fits the disagreement, and if it doesn't, who can help.
- If it fits, we confirm next steps in writing before anything starts.
Reviewed against the sources listed, October 2026. General information, not legal advice.