Appraisal Publications Used
: : Appraisal & Umpire References
When a homeowner-vs-insurer dispute moves from the claims department into the formal appraisal clause of the policy, a different (and much smaller) set of authorities controls. These are the publications Ron uses in his appraisal and umpire engagements.
Treatises on Appraisal
- Property Insurance Appraisal Clause: A Practical Guide (William F. Merlin Jr., et al.).
- Lee R. Russ & Thomas F. Segalla — Couch on Insurance, 3d, Chapters on Appraisal.
- Allen D. Windt — Insurance Claims and Disputes, sections on appraisal procedure.
California Authority
- California Insurance Code § 2071 — Standard Fire Policy appraisal provision.
- Devonwood Condominium Owners Assn. v. Farmers Ins. Exchange (2008) 162 Cal.App.4th 1498.
- Khorsand v. Liberty Mut. Fire Ins. Co. (2018) 20 Cal.App.5th 1028 — scope of umpire authority.
- Kacha v. Allstate Ins. Co. (2006) 140 Cal.App.4th 1023 — "amount of loss" defined.
Industry Standards Used in Appraisal Awards
- USPAP — Uniform Standards of Professional Appraisal Practice (current edition).
- The Appraisal of Real Estate, 15th ed., Appraisal Institute.
- Marshall & Swift Residential Cost Handbook.
- RSMeans unit-cost data and locality multipliers.
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