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 its endorsements.
Not legal advice, not a public adjuster
Ohio Insurance Appraiser provides appraisal, estimating and umpire services. We aren’t attorneys, we don’t give legal advice, and we don’t act as public adjusters or negotiate claims outside the appraisal process.
No guaranteed results
Every claim is different. Example figures on this site are illustrative and aren’t results for any client. No appraiser can guarantee an award.
Deadlines
Policies contain deadlines for notice, proof of loss, depreciation recovery and lawsuits — many Ohio policies limit suits to one year. Nothing on this site extends or changes a deadline. If one is close, talk to an Ohio attorney promptly.
Photographs
Photos are royalty-free stock and public-domain images used for illustration. They don’t show our clients’ properties.
References
References to rules, agencies and weather events are for context. Check current law and facts with official sources such as the Ohio Department of Insurance.