Many homeowners and business owners find themselves disagreeing with their insurance company's analysis of their insurance claim. Even though you submit a contractor's estimate, receipts for repairs or materials, or even photos showing damages that the insurance company did not include for repairs... they still won't budge.
 
At this point, the Insurance Policy will dictate certain options that are available under your policy in order to resolve these differences. These options typically include mediation, litigiation or invoking the Appraisal Clause.
 

Read More About This At: The Insurance Appraisal Process