Many Florida homeowners are still dealing with the financial fallout from Hurricane Ian and Hurricane Milton. If your property suffered serious damage but your insurance company paid less than your deductible—or nowhere near what repairs actually cost—you’re not alone. The good news: you may still have options. One of the most effective is the appraisal process.

What Is Insurance Appraisal?

Appraisal is a built-in alternative dispute resolution process found in many Florida homeowners insurance policies. It allows policyholders and insurance companies to resolve disagreements about the amount of loss—not coverage—without going to court.

Here’s how it works:

1. You (the policyholder) select a qualified appraiser to represent your interests.
2. The insurance company does the same.
3. Those two appraisers attempt to agree on the value of your loss.
4. If they disagree, they bring in a neutral third party known as an umpire to make the final call.

It’s fast, private, and usually much more affordable than a lawsuit. Most cases are resolved within weeks—not years.

Why Appraisal Might Be Right for You

If Hurricane Ian or Hurricane Milton damaged your home or business and you received a low or partial payment, your claim might qualify for appraisal—even if it happened months ago.

Too many property owners accept a small payout or give up entirely after being denied. Others turn to attorneys and begin lengthy legal battles. What many don’t realize is that Florida courts often push these disputes into appraisal anyway. And insurance companies don’t usually fight this process—they prefer it.

Choosing appraisal can save you time, money, and stress. You avoid litigation, court hearings, and the uncertainty of a drawn-out legal process.

Appraisal vs. Litigation: What’s the Difference?

Litigation can take years to resolve. You pay legal fees, attend depositions, wait on court calendars, and deal with the risk of losing your case outright. Appraisal, on the other hand, focuses only on one question: What is the fair value of your property damage?

You’re not arguing over policy language or coverage disputes—just the numbers. This focus makes appraisal faster and more straightforward. If your claim has already been denied, delayed, or lowballed, appraisal offers a way to challenge the insurance company without going to war in court.

Why Haven’t You Heard About This?

It’s simple: many attorneys make more money through litigation. That’s why some don’t tell clients about appraisal or try to discourage it. But in reality, even when you go to court, many judges will refer the dispute to appraisal anyway.

The truth is that Florida insurance companies often prefer appraisal, and so do the courts. It keeps the process efficient, fair, and focused.

Can I Still File for Appraisal After All This Time?

Yes. Many policyholders think it’s too late to do anything about a hurricane damage claim from months ago—but it’s not. As long as your claim is still within the statute of limitations and you haven’t signed a full and final settlement agreement, you may still be able to go to appraisal.

We’ve worked with homeowners and commercial property owners all over Florida to reopen underpaid claims, even after they’d been told nothing more could be done. If your insurance company lowballed your settlement—or ignored damage altogether—we can help.

What to Do Next

If you think your hurricane claim was underpaid, don’t wait. Every day that passes increases the chance your repairs will get more expensive—and harder to fund out of pocket.

Here’s how to get started:

• Review your insurance policy and look for the “Appraisal” clause.
• Gather your claim documents and any correspondence with your insurance company.
• Call Florida Insurance Claim Appraisal at 1-888-554-5012 for a free, no-obligation consultation.

We’ll help you understand your rights and determine whether appraisal is the right option for you. If it is, we’ll guide you through every step of the process.

Why Choose Florida Insurance Claim Appraisal?

We focus exclusively on helping Florida policyholders recover fair claim settlements through appraisal. We’ve worked with homeowners, business owners, condo associations, and property managers across the state. Our appraisers are experienced, independent, and committed to getting you results.

We don’t make empty promises or charge hidden fees. Our only goal is to help you get what you’re owed—fairly and quickly.

Don’t settle for less. Let us help you get a fair settlement for Hurricane Ian or Hurricane Milton.

Call 1-888-554-5012 or Email Us to schedule your free consultation.