The appraisal clause: your dispute tool short of a lawsuit
When you and the insurer disagree on the amount of loss, either side can demand appraisal — a binding valuation process.
Minn. Stat. § 65A.01, subd. 3
What appraisal is
Minnesota's standard fire policy includes an appraisal provision: if you and the insurer agree the loss is covered but disagree on the amount, either side can demand appraisal. You pick an appraiser, the insurer picks an appraiser, the two appraisers pick a neutral umpire, and agreement of any two sets the amount of loss.
It's binding on the amount — but it doesn't decide coverage questions, and it doesn't stop your suit deadline from running unless the insurer agrees otherwise. Keep the deadline clock in view.
When it makes sense
Appraisal fits the classic hail dispute: the insurer approves a repair scope of half your roof, every contractor says full replacement, and the gap is tens of thousands of dollars. It's usually faster and cheaper than litigation.
You pay your appraiser and half the umpire. On small gaps the cost may not be worth it; on a full-roof dispute it usually is.
How to invoke it
Send the insurer a written demand for appraisal under the policy's appraisal provision, naming your appraiser. The policy sets the mechanics and timing from there. This is a point where a consultation with an attorney or licensed public adjuster earns its fee.