10/26/2026
Two estimates differ. What question would appraisal actually answer?
For plaintiff-side insurance attorneys reviewing Arizona and Colorado property claims, start by separating valuation differences from coverage and legal questions.
Identify the disputed work, quantities and repair methods. Connect each position to measurements, photographs, proposals and relevant technical findings. Invoking appraisal does not supply missing evidence or establish that an assumed repair method is suitable.
Our guide explains the distinction and why the policy and applicable law control the panel’s authority. General education, not legal advice or a recommendation for a particular claim.
Learn what insurance appraisal may resolve, what remains outside the process, and why policy terms, evidence, readiness, and costs matter.