General information only
This website is educational and general. It describes how insurance appraisal commonly works, but your policy’s wording controls. Read your own policy and endorsements.
Not a law firm, not a public adjuster
New York Insurance Appraiser provides appraisal, estimating and umpire services. We aren’t attorneys and don’t give legal advice. We don’t act as public adjusters, who are licensed separately by the New York State Department of Financial Services, and we don’t negotiate claims outside the appraisal process.
No guarantee of results
Every claim is different. Example figures on this site are illustrative and are not results for any client. No appraiser can guarantee an award.
Deadlines
Policies contain deadlines for notice, proof of loss, depreciation recovery and lawsuits. Nothing on this site extends or changes a deadline. If one is approaching, consult a New York attorney promptly.
Photographs
Photos are royalty-free stock and public-domain images used for illustration. They don’t show our clients’ properties.
Third-party references
References to statutes, regulations, agencies and storms are for context. Verify current law and facts with official sources such as the New York State Department of Financial Services.