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How an appraisal hearing works

One of the top priorities for most Minnesota businesses is to avoid litigation as much as possible. But since customer complaints and disputes are inevitable, it has become the norm in many industries to require these conflicts to go through an alternative dispute resolution process instead of court, at least at first.

The insurance industry is no exception. Most homeowners’ insurance policies have an appraisal clause. This clause gives homeowners the right to appeal when they believe the insurance company has undervalued their claim. Instead of going to court, the matter goes to something called an appraisal hearing. An appraisal panel, made up of people agreed upon by both sides in the dispute, takes the place of a judge and jury.

This can help aggrieved homeowners as much as their insurance company. By potentially avoiding a lawsuit, homeowners can save time and money, and still possibly get the money they need to make necessary repairs on their house.

The hearing is somewhat like a less formal version of a trial. Both sides get to present evidence supporting their side to the appraisal panel. At the end, the panel determines the value of the homeowner’s damage and issues an award. And homeowners can be represented by an attorney experienced in homeowners’ insurance disputes.

Dealing with home damage can be stressful and frightening, especially if the insurance company tries to get out of fulfilling its obligations. With the right attorney, you can get your repairs paid for, so you can move on with your life.

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