1.This section provides for the appraisal process if all of the following apply:
a.The claimant’s insurance policy is delivered, issued for delivery, or renewed in this
state.
b.The property that is the subject of the claimant’s claim is located in this state, or the
dispute is subject to jurisdiction in this state.
c.A claimant gave proper notice to the claimant’s insurer of a loss claim, and the claimant
andinsurerdisputetheactualcashvalueofthescopeofloss, ortheamountoflosstheinsurer
will pay, for the claimant’s claim under the claimant’s policy. The claimant and the insurer
must both provide the other party with a scope of loss of a covered peril, including a list
stating separately the actual cash value and the amount of claimed loss for each item.
d.The claimant or insurer demand
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1. This section provides for the appraisal process if all of the following apply:
a. The claimant’s insurance policy is delivered, issued for delivery, or renewed in this
state.
b. The property that is the subject of the claimant’s claim is located in this state, or the
dispute is subject to jurisdiction in this state.
c. A claimant gave proper notice to the claimant’s insurer of a loss claim, and the claimant
andinsurerdisputetheactualcashvalueofthescopeofloss, ortheamountoflosstheinsurer
will pay, for the claimant’s claim under the claimant’s policy. The claimant and the insurer
must both provide the other party with a scope of loss of a covered peril, including a list
stating separately the actual cash value and the amount of claimed loss for each item.
d. The claimant or insurer demands in writing an appraisal.
2. Within twenty calendar days following either the claimant’s or insurer’s receipt of the
other party’s written demand for an appraisal, the claimant and the insurer shall each select
anappraiserfromtheappraiserlist. Uponselection, theappraisershallattestinwritingtothe
§522F.14, LICENSING AND REGULATION OF APPRAISERS AND UMPIRES 10
selecting party that the appraiser is competent and disinterested with regards to the appraisal
in question.
3. a. Within fifteen calendar days of the selection of appraisers pursuant to subsection 2,
both appraisers shall agree on an umpire from the umpire list.
b. A party or an appraiser may object to the agreed-upon umpire for good cause pursuant
to section 522F.12 no later than five business days after the umpire has been selected. A
replacement umpire from the umpire list shall then be agreed upon by both appraisers.
c. If both appraisers fail to agree on an umpire, either the claimant or insurer shall
immediately provide written notice to the division, in the form and manner prescribed by the
division, and the division shall randomly select an umpire from the umpire list and notify
the parties.
d. If either appraiser requests that an umpire be selected by a judge in the state in which
the property that is the subject of the claim is located, a judge shall give deference to the
randomly selected umpire from the umpire list by the division unless either the claimant or
theinsurerprovidesgoodcauseforthejudgetomakeanalternativeselectionfromtheumpire
list.
4. Within forty-five calendar days from the date the umpire is selected, both appraisers
shallappraisetheloss,statingseparatelytheactualcashvalueandtheamountoflossforeach
item. Each appraiser shall submit separately the appraiser’s actual cash value and amount
of loss of each item, along with any supporting information, to the umpire. Each appraiser
shall also submit written authorization for the umpire to commence the umpire’s work.
5. No later than forty-five calendar days after receipt of the actual cash value and amount
of loss under subsection 4, the umpire shall prepare and provide to the parties and each
appraiser a written itemized award showing the actual cash value and amount of loss. The
written itemized award shall include but is not limited to all of the following:
a. Contact information for each appraiser and the umpire.
b. The insured’s policy number and the insured’s claim number.
c. The date of the insured’s loss.
d. The type of covered peril that caused the loss.
e. The date the umpire commenced work.
f. The legal name of the insurer.
g. The physical address of the property on which the insured made a claim.
h. The date of the umpire’s written itemized award.
i. (1) A description and itemization of the final written itemized award by coverage type,
including but not limited to:
(a) Coverage A — dwelling.
(b) Coverage B — other structures.
(c) Coverage C — personal property.
(2) The description and itemization by coverage type shall include contested items that
have been resolved, sublimits, and other disputed items. Items, including but not limited to
items with sublimits, shall be separately noted to avoid ambiguity in the final written itemized
award.
j. The signature of the umpire and at least one appraiser.
6. Prior to the umpire issuing the written itemized award, the parties may agree to
conclude the appraisal process when the parties reach a final settlement.