General information only
This website explains how insurance appraisal commonly works. Your own policy language controls. Always read your policy and its endorsements.
Not legal advice, not a public adjuster
West Virginia Insurance Appraiser provides appraisal, estimating and umpire services. We are not attorneys, we do not give legal advice, and we do not act as public adjusters or negotiate claims outside the appraisal process.
No guarantee of results
Every claim is different. Example figures 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 changes or extends any deadline. If one is approaching, consult a West Virginia attorney promptly.
Statutes and agencies
References to West Virginia law, the Offices of the Insurance Commissioner, the Essential Property Insurance Association or the mine subsidence program are general context. Confirm current rules with official sources.
Photographs
Photos are royalty-free stock and public-domain images used for illustration. They do not show our clients’ properties or the specific events described.