Commercial Insurance Appraisal & Mediation in Florida

When a disagreement arises over the value of a commercial property loss, Florida law allows both sides to resolve the dispute through appraisal or, if necessary, mediation. Public Loss Adjusters, LLC helps policyholders navigate these processes professionally — ensuring your rights are protected and your claim is supported by clear documentation.

What Is Appraisal?

Appraisal is a contractual process that determines the amount of loss when the insurer and policyholder cannot agree. Each party selects an appraiser, and those appraisers select an impartial umpire. Together, they review all documentation and render a binding decision on value.

Under §626.854 and §627.70131, Florida Statutes, we act as your advocate throughout the process, ensuring all communications, estimates, and exhibits are properly presented.

When We Recommend Appraisal

• Carrier’s estimate omits major repairs or uses inaccurate pricing.
• There is no dispute about coverage, only about value.
• Negotiations have stalled and mediation would delay resolution.
• You need an enforceable, binding result without filing suit.

How the Appraisal Process Works

1. Demand — We send a formal written demand citing your policy’s appraisal clause.
2. Selection — Each side chooses a licensed, experienced appraiser.
3. Exchange of Estimates — Both parties present documentation and repair scopes.
4. Umpire Review — If appraisers cannot agree, the umpire issues a binding decision.
5. Payment — The carrier must issue payment per the signed award.

When Mediation Is Appropriate

In some cases, mediation is faster and less formal than appraisal. The Florida Department of Financial Services (DFS) offers mediation to resolve disputes without litigation. It’s often used when coverage, rather than value, is in dispute. We guide you through this process and coordinate with DFS-approved mediators to ensure proper documentation and representation.

Appraisal vs. Mediation — Quick Comparison

Process	Purpose	Outcome
Appraisal	Determines value of loss	Binding award on amount owed
Mediation	Resolves disagreements about coverage or liability	Non-binding agreement or settlement

Frequently Asked Questions

Who pays for the appraisal process?

Each party pays its own appraiser, and both share the umpire’s fee equally. These costs are usually much lower than litigation expenses.

How long does appraisal take?

Most commercial appraisals conclude within 30–90 days depending on property size and complexity. Mediation sessions are usually completed in one day.

Can appraisal be denied by the insurer?

Some policies require both parties to agree before invoking appraisal. If the carrier refuses, we pursue DFS mediation or other statutory remedies.

Do I need a lawyer for appraisal?

No. Appraisal is a contractual valuation process, not a legal proceeding. A public adjuster may represent you under §626.854.

What happens if mediation fails?

If mediation does not result in agreement, other remedies such as appraisal or litigation may be pursued. We guide you through the next step immediately.

Notice: This page provides general information for Florida policyholders and does not constitute legal advice. Public Loss Adjusters, LLC, License A161638. Consistent with §626.854 and timelines under §627.70131, Florida Statutes. Supporting documentation and exhibits are provided under separate cover upon request. Please confirm receipt in writing.