General information only
This website is educational and general. It describes how insurance appraisal commonly works, but your policy’s wording controls. Always read your own policy and endorsements.
Not legal advice, not a public adjuster
Illinois Insurance Appraiser provides appraisal, estimating and umpire services. We aren’t attorneys, don’t give legal advice and don’t act as public adjusters or negotiate claims outside appraisal.
Legal topics
References to Illinois law, including Section 155 of the Illinois Insurance Code and limitation periods, are simplified general descriptions. They may not reflect recent changes or how a court would apply them to your facts.
No guaranteed results
Every claim is different. Example figures on this site are illustrative and aren’t results for any client. No appraiser can guarantee an award.
Deadlines
Policies contain deadlines for notice, proof of loss, depreciation recovery and lawsuits. Nothing on this site extends or changes any deadline. If one is approaching, consult an Illinois attorney promptly.
Weather and history
References to storms and events give context. Verify facts with official sources such as the National Weather Service and the Illinois Department of Insurance.
Photographs
Photos are royalty-free stock and public-domain images used for illustration. They don’t show our clients’ properties.