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Appraising the value of a claim. In an underlying action, the plaintiff’s attorney has asked the judge to permit discovery to see how much State Farm has spent with the appraiser. (Photo: Shutterstock)

An appellate panel is asking the state’s highest court to decide if policyholders have to hire two professionals — as opposed to one public adjuster who could also serve as a disinterested appraiser — to pursue property-damage claims that their insurance companies have denied.

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