When the value of a property damage claim is in dispute, the insurance appraisal process provides a structured resolution mechanism. Catalyst provides licensed appraiser and neutral umpire services, retained by either party, throughout the Southeast.
Most property insurance policies include an appraisal clause: a contractual right either party can invoke when there's disagreement over the amount of a covered loss, not whether coverage exists.
Each side selects an appraiser; the two appraisers select a neutral umpire. Catalyst provides licensed appraiser services and neutral umpire services, retained by policyholders, insurers, or attorneys on either side of a dispute.
When a policyholder and insurer disagree on the dollar value of a covered loss, appraisal offers a faster, less expensive alternative to litigation. We can serve as your appraiser in this process.
Catalyst is available to serve as a neutral umpire or as an appraiser retained by an insurer or attorney, bringing the same field-tested valuation expertise to either side of a dispute.
Appraisal resolves disputes over the amount of loss only, not coverage disputes, and is typically faster and less expensive than litigation.
Either the policyholder or the insurer can typically invoke appraisal when the policy includes an appraisal clause and the dispute concerns the amount of loss.
When the two party-selected appraisers can't agree, the umpire reviews both positions and issues a binding decision on the amount of loss.
Yes. Catalyst's appraisal and umpire services are retained by policyholders, insurers, and attorneys on either side of a dispute. We do not take an advocacy position in these engagements.
Timelines vary, but appraisal is generally faster than litigation, often resolving within a few months depending on case complexity.
Available to policyholders, insurers, and attorneys on either side of a valuation dispute.
.png)