APPRAISAL AND UMPIRE DEMAND

To: [Carrier Claims Adjuster/Address/Email]
From: [Insured / Counsel for Insured]
Date: [DATE]
Policy No.: [POLICY NUMBER]
Claim: [CLAIM NAME/NUMBER]

1. APPRAISAL DEMAND

• Pursuant to the appraisal clause in the Policy (Section [cite]), Insured demands appraisal of the disputed loss amount.
• Dispute: [Describe disputed valuation/scope items]; Insured estimate [$], Carrier estimate [$].

2. INSURED’S APPRAISER

• Insured appoints [NAME, QUALIFICATIONS, CONTACT] as its appraiser.

3. REQUEST FOR CARRIER’S APPRAISER

• Please appoint your appraiser within [X] days and provide contact details.

4. UMPIRE SELECTION

• Propose that the two appraisers jointly select an umpire within [Y] days; if they cannot agree, selection will proceed per the Policy or by petition to [court/ADR body] as provided.

5. PROCESS AND TIMING

• Appraisal to proceed promptly; site inspections and document exchange to be coordinated by appraisers.
• Signed appraisal award to be binding as stated in the Policy.

6. RESERVATION OF RIGHTS (INSURED)

• Insured reserves all rights and defenses under the Policy and applicable law.

Please confirm your appraiser within [X] days.

Signed:
[NAME/TITLE or COUNSEL NAME]
[INSURED ENTITY]
[CONTACT INFO]