Referring a disputed insurance claim to appraisal can be a smart and efficient way to resolve value disagreements—but only when done correctly. Over the years, we’ve seen several recurring missteps that can cost time, money, and even credibility in the process.

Here are the top 5 mistakes attorneys should avoid:

Appraisal is not the forum to resolve whether a claim is covered under the policy. When the core issue is coverage, the claim belongs in litigation—not appraisal.

Without a clear agreement on what exactly is being appraised, confusion and delays are inevitable. Be explicit about which damages and areas are in dispute.

Selecting an appraiser with limited experience or bias can derail the process. Look for neutral professionals who understand both estimating and the legal framework of appraisal.

Sending a file to appraisal without proper estimates, photos, or documentation slows everything down. A well-prepared file makes for a more efficient and persuasive appraisal.

Delaying appraisal until litigation is well underway can increase costs and harden positions. Consider appraisal earlier—before emotions and expenses escalate.

By understanding and avoiding these common pitfalls, attorneys can help ensure that the appraisal process serves its intended purpose—resolving disputes quickly, fairly, and cost-effectively. A well-timed, well-structured appraisal referral not only strengthens your client’s position but also reinforces your own reputation for strategic, informed advocacy. When used properly, appraisal can be a powerful tool in the attorney’s arsenal.