Posted on November 20th, 2025

A Guide for Policyholders and Insurance Professionals

Filing an insurance claim can be a complicated process, especially when it comes to property or auto damage. Sometimes, disputes arise over the value of the loss or the scope of repairs. In such cases, hiring an independent damage appraiser can be a crucial step to ensure a fair settlement. This guide explains when it’s appropriate to bring in an independent damage appraiser and the benefits of doing so.

What Is an Independent Damage Appraiser?

An independent damage appraiser (Collision Consultants of North America) is a neutral third-party professional who evaluates the extent and value of damage to property, vehicles, or other insured items. Unlike adjusters employed by insurance companies, independent appraisers are hired by policyholders, insurance companies, or sometimes both, to provide an unbiased assessment.

When Should You Consider Hiring an Independent Damage Appraiser?

• Dispute Over Claim Amount: If you disagree with the insurance company’s estimate of your damages or believe the settlement offer is too low, an independent appraiser can provide a second opinion based on industry standards and actual repair costs.
• Complex or High-Value Claims: For large or complicated losses, such as major property damage or total loss vehicle claims, having an independent expert can help clarify the true extent and cost of repairs or replacement.
• Specialized Damage: If the damage involves specialty items (e.g., antiques, custom vehicles, rare property), an appraiser with specific expertise can ensure these items are valued correctly.
• Stalemate in Negotiations: If negotiations with your insurer reach a standstill and you cannot agree on the amount of loss, many insurance policies include an “appraisal clause.” This clause allows either party to demand an independent appraisal to resolve the dispute.
• Requirement by Policy: Some insurance contracts may require an independent appraisal as a step before legal action or arbitration.
• Unclear or Incomplete Inspections: If the initial adjuster’s inspection was rushed, incomplete, or failed to account for hidden damages, an independent appraiser can provide a thorough review.

Benefits of Hiring an Independent Damage Appraiser

• Unbiased Evaluation: Independent appraisers work for you, not the insurance company, and are focused on providing a fair assessment.
• Expertise: Many independent appraisers have specialized knowledge in construction, auto repair, or other relevant fields.
• Faster Resolution: An independent appraisal can often help resolve disputes more quickly than litigation or prolonged negotiation.
• Stronger Negotiating Position: Having a professional, well-documented appraisal report can strengthen your position when negotiating with the insurer.

How the Appraisal Process Works

When you invoke the appraisal clause process, both you and your insurance company typically select independent appraisers. These appraisers evaluate the damages separately and attempt to agree on a value. If they cannot agree, a neutral umpire—selected by the appraisers—reviews the findings and makes a binding decision.

Conclusion

Hiring an independent damage appraiser is advisable when there is a significant disagreement about the value of your claim, when specialized expertise is needed, or when your insurance policy requires it. By providing an objective, professional assessment, independent appraisers help ensure you receive a fair and accurate settlement for your loss.