The best way to handle an insurance claim disupte is the appraisal clause.

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When settlement amounts are in dispute, the most effective way to get results is the appraisal clause provision in the policy. The “appraisal clause” found in all insurance policies, was designed to establish a procedure to allow disputed amounts to be resolved by disinterested parties. It will read something like this in your policy: APPRAISAL CLAUSE If you and we fail to agree on the amount of loss, either may demand an appraisal of the loss. In this event, each party will choose a competent appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the state where the “residence premises” is located. The appraisers will separately set the amount of loss. If the appraisers submit an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of loss.

Testimonials

After Hurricane Katrina our insurance company paid us pennies on the dollar for our home and nothing for contents or living expences.They told us it was flood damage therefor not covered.We were devestated. We hired Hebert and Associates.They worked diligently until we were compansated fairly.We can not disclose the amount, but I can tell you we recieved enough to fix our 5ooo sf home properly and we also replaced a large majority of our belonings. We were also compensated for our additional living expences. Hiring Hebert and Associates proved to be one of the best decisions we've ever made.

- Ken Robertson