General information
This website explains how insurance appraisal commonly works. Your policy’s wording and endorsements control. Always read your own policy.
Not legal advice; not a public adjuster
Maryland Insurance Appraiser provides appraisal, estimating and umpire services. We are not attorneys and don’t give legal advice, and we don’t act as public adjusters or negotiate claims outside the appraisal process.
Illustrative examples only
Dollar figures on this site are illustrative. They are not results for any client, and no appraiser can guarantee an award.
Deadlines
Policies contain deadlines for notice, proof of loss, depreciation recovery and lawsuits. Nothing here changes any deadline. If one is approaching, talk to a Maryland attorney promptly.
Laws, agencies and storms
References to statutes, the Maryland Insurance Administration, the Maryland Joint Insurance Association or past storms are for context. Check current law and facts with official sources.
Photographs
Photos are royalty-free stock and public-domain images used for illustration. They don’t show our clients’ properties.