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
Rhode Island Insurance Appraiser provides appraisal, estimating and umpire services. We are not attorneys, we don’t give legal advice, and we don’t act as public adjusters or negotiate claims outside the appraisal process.
Statutes and agencies
References to Rhode Island law, the Department of Business Regulation, the FAIR Plan or the bad-faith statute are general descriptions for context, not legal analysis. Verify current law with official sources and a Rhode Island attorney.
No guarantee of results
Every claim is different. Example figures on this site are illustrative and are not 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 a Rhode Island attorney promptly.
Photographs
Photos are royalty-free stock and public-domain images used for illustration. They don’t show our clients’ properties.