{"id":888409,"date":"2016-04-27T10:28:01","date_gmt":"2016-04-27T16:28:01","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=888409"},"modified":"2016-04-27T10:28:01","modified_gmt":"2016-04-27T16:28:01","slug":"invoking-appraisal-when-you-have-to-shoot-shoot","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/invoking-appraisal-when-you-have-to-shoot-shoot\/","title":{"rendered":"Invoking Appraisal: “When You Have to Shoot…Shoot”"},"content":{"rendered":"

Patrick McGinnis | Property Insurance Coverage Law Blog | April 21, 2016<\/p>\n

What constitutes invoking appraisal<\/a>? Does a carrier\u2019s refusal to go to appraisal rise to the level of breach of contract?<\/p>\n

East Richardson Baptist Church v. Philadelphia Indemnity Insurance Company<\/em>,1<\/sup> from the Dallas Court of Appeals, is an interesting case. The Church filed a claim and alleged $32,000 in damages. The carrier agreed to $10,400 in damages and paid it. The Church hired a public adjuster who found $36,000 in damages. Then the Church hired lawyers, who filed suit, but before filing suit the Church filed a formal demand for appraisal<\/a>. The claim went to appraisal and the panel found $30,000 in damages. The carrier paid the difference between the prior payment and the appraisal award.<\/p>\n

The Church went forward with its suit and the trial court granted summary judgment against the Church. The Church appealed asserting two theories on breach of contract. First, the Church alleged that the carrier breached the policy contract because the Church demanded appraisal during the claims handling process and the carrier refused to appraise. Second, breach of contract was proved because the appraisal award<\/a> was more than what the carrier originally paid.2<\/sup><\/p>\n

To support its allegation that the Church invoked appraisal during the claims handling process, which was denied by the carrier, the Church pointed out two instances in the claim file where the Church or its public adjuster hinted at appraisal during the claims handling process. In one instance the carrier\u2019s adjuster noted that the Church’s pastor, \u201csaid he would option for the appraisal provision<\/a> in the policy.\u201d The other instance was an email from the Church\u2019s public insurance adjuster saying, \u201cIf we cannot reach an agreement then the insured is likely to invoke appraisal. . . .\u201d<\/p>\n

After citing Webster\u2019s Dictionary<\/em> on the definition of \u201cwould\u201d the court held:<\/p>\n

Even if e-mails from an adjuster to the insurer relaying conversations held with representatives of the insured could be considered a \u201cwritten demand\u201d by the insured, the statements in the e-mails, that Lewis \u201cwould option for the appraisal provision\u201d and that he was \u201clikely to invoke appraisal,\u201d do not constitute a \u201cdemand\u201d for appraisal of the loss\u2026the statement that Lewis was \u201clikely to invoke appraisal\u201d indicated a likelihood that Lewis would invoke the appraisal process at some point in the future. However, neither statement put Philadelphia Indemnity on notice that the Church was making a present demand that the appraisal process set forth in the policy be followed for determining the amount of the loss. We conclude the Church has not presented any evidence showing it made a demand for appraisal under the policy.<\/p><\/blockquote>\n

To finish reading this article<\/a><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Patrick McGinnis | Property Insurance Coverage Law Blog | April 21, 2016 What constitutes invoking appraisal? Does a carrier\u2019s refusal to go to appraisal rise to the level of breach of contract? East Richardson Baptist Church v. Philadelphia Indemnity Insurance Company,1 from the Dallas Court of Appeals, is an interesting case. The Church filed a… Continue reading Invoking Appraisal: “When You Have to Shoot…Shoot”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[1],"tags":[218,23],"class_list":["post-888409","post","type-post","status-publish","format-standard","hentry","category-insurance-estimates","tag-appraisal","tag-insurance-coverage","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nInvoking Appraisal: "When You Have to Shoot...Shoot" - Advise & Consult, Inc.<\/title>\n<meta name=\"description\" content=\"What constitutes invoking appraisal? 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