Did you miss our webinar about the evolving role of appraisals in Florida property insurance claims? The discussion focused on when appraisal may be appropriate, common legal and procedural pitfal

ls, and practical strategies that can help adjusters evaluate disputes, strengthen claim documentation, and navigate appraisal issues with greater confidence.

Here are just a few takeaways from it:

• Appraisal isn’t limited to straightforward covered claims. In some situations, it may still be available even when coverage disputes exist or litigation has begun
• Your investigation matters before appraisal begins. Complete documentation—including photos, recorded statements, repair estimates, mitigation records, and prior loss information—can make all the difference.
• Review the policy first. Every appraisal clause is different. Deadlines, appraiser qualifications, and policy conditions can significantly impact how a claim moves forward.
• Recent Florida law matters. Payment of an appraisal award alone no longer creates automatic bad faith exposure. Proper documentation and sound claim handling remain your best defense.

Ask yourself:

• Is this truly a coverage dispute—or an amount-of-loss dispute?
• Do I have enough documentation to support my position?
• Have I reviewed the appraisal language in this specific policy?

Small decisions early in the claim can have a big impact later.

For questions about the presentation or assistance with a particular matter you are handling, contact our team at info@kubickidraper.com.