For Homeowners
Property Damage Claim in Dispute? Here's What Comes Next.
When you and your insurer cannot agree on the amount of loss, the appraisal clause in your Texas policy provides a structured, independent path to resolution without attorneys or litigation.
Challenges You Face
A gap exists between estimates
When your assessment of the damage differs from your insurer's, an independent appraiser can provide an objective evaluation of the actual scope and cost.
The appraisal process is unfamiliar
Most homeowners are not familiar with the appraisal clause or how it works. Understanding your policy options is the first step toward resolution.
Litigation is slow and expensive
Court proceedings typically take 12–24 months and involve significant legal fees. The appraisal process is designed to resolve amount-of-loss disputes more efficiently.
Unresolved claims delay repairs
The longer a dispute remains open, the longer property repairs are deferred. A structured appraisal process moves both parties toward a resolution.
How REG Consulting Helps
Serve as Your Appointed Appraiser
Once the appraisal clause is invoked, you appoint REG Consulting as your independent appraiser. We conduct the inspection, prepare the documentation, and develop a professional estimate.
Document Damage Thoroughly
We perform a comprehensive on-site inspection, creating an independent photographic and written record of the property damage.
Prepare a Professional Xactimate Estimate
Our estimates use industry-standard Xactimate software with current market pricing (the same platform carriers use) producing results that are defensible and data-grounded.
Work Toward Resolution
We work directly with the carrier's appraiser toward an agreed amount. If full agreement cannot be reached, a neutral umpire reviews the remaining disputed items and issues a binding award.
The Process
Appraisal Clause Invoked
Either party sends written demand to the other invoking the appraisal provision.
Appoint REG Consulting
You name REG Consulting as your appraiser in the demand or appointment letter.
Property Inspection
Thorough on-site inspection and documentation within 1–2 weeks of engagement.
Appraisers Confer
Both appraisers exchange estimates and work toward agreement on the amount of loss.
Binding Award Issued
Any remaining disputed items are resolved by a neutral umpire. Award is enforceable under Texas law.
Why Work With REG Consulting
- Efficient resolution — most appraisals conclude in 30–90 days
- Each party pays their own appraiser; umpire cost is split equally
- Binding award enforceable under Texas law
- No attorney required for the appraisal process itself
- Texas-licensed, Xactimate-certified, 1000+ valuations completed nationwide
- IAUA member bound to professional appraisal standards
"REG Consulting guided us through the appraisal process professionally and efficiently. The award provided a clear resolution to our claim dispute."
Take the next step
Ready to pursue independent appraisal?
REG Consulting provides certified, independent appraisal services to both policyholders and carriers across all of Texas.