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 a law firm, not a public adjuster
Montana Insurance Appraiser provides appraisal, estimating and umpire services. We aren’t attorneys, we don’t give legal advice, and we don’t act as public adjusters or negotiate claims outside the appraisal process.
No guarantee of 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.
Statutes, agencies and storms
References to Montana statutes, the Commissioner of Securities and Insurance, the surplus-lines market or past storms and fires are for context only and described in general terms. Verify current law and facts with official sources and a licensed Montana attorney.
Deadlines
Policies contain deadlines for notice, proof of loss, depreciation recovery and lawsuits. Nothing here extends or changes a deadline. If one is approaching, consult an attorney promptly.
Snow load and safety
The roof snow load estimator uses typical snow densities and is not an engineering assessment. If a roof shows signs of distress, leave the building and contact a qualified professional.
Photographs
Photos on this site are public-domain and CC0 images used for illustration. They don’t show our clients’ properties.