General information only
This website explains how insurance appraisal commonly works. Your own policy and its endorsements control. Read them carefully.
Not legal advice; not a public adjuster
New Mexico 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.
Illustrative figures
Any dollar amounts on this site are illustrative examples. They aren’t results for any client, and no appraiser can guarantee an award.
Deadlines
Policies set deadlines for notice, proof of loss, depreciation recovery and lawsuits. Nothing here changes any deadline. If one is approaching, contact a New Mexico attorney promptly.
Bad faith and legal claims
New Mexico’s Insurance Code lists unfair claims practices, and New Mexico courts recognize bad-faith claims. Whether either applies to a claim is a legal question for an attorney, not something we evaluate.
References and photos
Mentions of agencies, programs and weather events are for context; verify current facts with official sources such as the New Mexico Office of Superintendent of Insurance. Photos are illustrative public-domain or CC0 images and don’t depict client properties.