General information only
This website is educational and general. It describes how insurance appraisal commonly works, but your policy’s wording controls. Always read your own policy and endorsements.
Not legal advice, not a public adjuster
Virginia Insurance Appraiser provides appraisal, estimating and umpire services. We aren’t attorneys and don’t give legal advice. We aren’t public adjusters and don’t negotiate claims outside the appraisal process.
Statutes and agencies
References to Virginia statutes, the Bureau of Insurance, the VPIA or past storms are general descriptions for context. They may be summarized, may change, and shouldn’t be relied on without checking official sources or speaking with a Virginia attorney.
No guarantee of results
Every claim is different. Example figures on this site, including calculator defaults, 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. Nothing on this site extends or changes any deadline. If one is approaching, consult a Virginia attorney promptly.
Photographs
Photos are royalty-free public-domain or CC0 images used for illustration. They don’t depict our clients’ properties or results.