Why Experience Matters: A Message for Carriers

Insurance appraisal isn’t just about putting numbers on paper-it’s about reducing exposure, defending fairness, and resolving conflict with credibility.

As a carrier, your appraiser represents not just your estimate, but your brand, your policy interpretation, and your legal posture. Here’s why experience matters:

1. Technical Accuracy

Experienced appraisers understand Xactimate inside and out-but also know construction, real repair costs, and current code standards.

2. Reduced Risk of Escalation

A seasoned appraiser knows when and how to keep an appraisal from heading toward litigation or bad-faith allegations.

3. Process Efficiency

Veteran appraisers bring process discipline, document control, and faster cycle times.

4. Panel Management

Experienced appraisers know how to work with opposing appraisers and umpires professionally-even under pressure.

5. Defensibility in Dispute

When your appraiser can explain valuation logic clearly and support it with policy-aligned reasoning, the award is more likely to stand.

What to Look For

• A strong track record with both carriers and contractors
• Experience managing large-loss or catastrophe-related claims
• Demonstrated communication skills and dispute resolution mindset

Final Word

Hiring an appraiser isn’t a checkbox-it’s a strategic decision. Choose experience, and you’re not just protecting the claim-you’re protecting your brand.