How the calculator works
Appraisal resolves a disagreement over the amount of a covered loss. The calculator subtracts the insurer’s estimate from your estimate to find the disputed amount, then estimates your cost: your own appraiser’s fee plus your typical half-share of the umpire’s fee, weighted by how likely an umpire is to be needed.
Because awards usually land somewhere between the two estimates, the table models three outcomes — a quarter, half and three-quarters of the gap — and shows what you would net after appraisal costs in each case. The break-even figure tells you how much of the gap the award must recover just to cover the process.
Reading the result
- Break-even under 20%: appraisal is usually economical if your estimate is well documented.
- Break-even between 20% and 50%: worth it only if your line items are strong — get an estimate review first.
- Break-even over 50%: a documented supplement, re-inspection request or DFS mediation may be the better first step.
What the calculator can’t tell you
It cannot judge whether your estimate is accurate, whether a disputed item is a coverage question (which appraisal does not decide), or what your specific policy says about fees and deadlines. Read your policy’s appraisal provision and talk with Florida Insurance Appraiser before you send a demand.
Frequently asked questions
Who pays for insurance appraisal in Florida?
Most Florida policies say each side pays its own appraiser and the two sides split the umpire’s fee and other shared appraisal expenses equally. Check the appraisal provision in your policy for the exact wording.
Is a percentage fee or a flat fee better?
A flat or hourly fee keeps costs predictable on large losses; a percentage fee shifts more risk to the appraiser on uncertain claims. The calculator lets you compare both.
What gap is too small for appraisal?
There is no fixed threshold, but when your expected appraisal cost is a large share of the disputed amount, a well-documented supplement or mediation is often the smarter first move.
Estimates only, for general planning. Results depend on your policy, your property and current pricing. Not legal advice.