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When an insurance claim reaches the appraisal stage, the parties invariably brace for an adversarial experience, but it need not be one. If the participants realize that appraising is a mixture of both science and common sense, the process would result with no one’s feeling as if they had lost something as a consequence of the appraisal.

In my 25 years of experience as an appraiser in the insurance industry, I have worked on behalf of both policyholders and insurers. I have learned that the process of satisfying a claim functions best when all those involved in the process are willing to compromise without having to sacrifice their client’s particular interests.

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