Almost daily, we receive a telephone call from a contractor inquiring about referring our firm to their client(s) for an appraisal. This growing interest reflects just how misunderstood the insurance appraisal process remains within the restoration and construction communities.
While appraisal can be a powerful tool for policyholders seeking fair claim resolution, much confusion exists about when—and how—it should be used. The situation is further complicated by evolving case law, such as Cinnamon Ridge Condo Association v. State Farm, which continues to reshape the boundaries of what appraisers can and cannot address in claim settlement negotiations. As these legal interpretations shift, so too does the landscape for professionals trying to advocate effectively on behalf of insured clients.
Here’s a concise breakdown of key points appraisers should know when negotiating on behalf of policyholders in light of the recent Cinnamon Ridge Condominium Association, Inc. v. State Farm ruling:
Insights from Cinnamon Ridge: What Appraisers Should Know
1. Matching Coverage Matters
The court ruled that insureds are entitled to coverage for repairs that result in a reasonably comparable appearance, not just matching materials. Ohio Admin. Code § 3901‑1‑54—while not enforceable directly—serves as an important benchmark for interpreting policy obligations.
Property Insurance Coverage Law Blog
2. Clarified Appraisal Standards
The case was remanded to clarify whether full roof replacement was necessary for a “reasonably comparable appearance.” The appraisal panel was instructed to evaluate the repairs from both ground-level (line-of-sight) and aerial perspectives. Notably, the panel unanimously supported ground-level as the appropriate standard for appearance assessments.
SJJ Law
3. Appraisal Can Include “Matching” Costs
The court confirmed that appraisal panels may—and should—address costs associated with uniform appearance (e.g., matching shingles across an entire roof) and not just losses to damaged portions. However, the panel must make findings specific to the “reasonably comparable appearance” standard rather than uniform perfection.
SJJ Law
4. Strategic Communication During Appraisal
Appraisers should ensure that appraisals are structured to:
- Identify costs needed for repairs and for achieving reasonable visual uniformity.
- Include clear assessments from a line-of-sight viewpoint, as it better reflects how the public will perceive the repair quality.
Takeaway for Policyholder Advocates
With Cinnamon Ridge setting a clearer precedent, appraisers advocating for policyholders should:
- Proactively argue for the inclusion of matching-related scope to achieve a “reasonably comparable appearance.”
- Insist on appraisal panels considering visual impact from typical viewing angles—not just isolated or aerial perspectives.
- Document the policy language (where applicable) and Ohio industry standards to reinforce coverage claims for appearance-based replacement.
Closing Thoughts
As legal interpretations like Cinnamon Ridge v. State Farm continue to evolve, the role of the appraiser is becoming both more powerful and more scrutinized. For contractors, adjusters, and policyholder advocates alike, understanding how and when to initiate the appraisal process is critical—not only to support fair outcomes but to stay compliant with shifting legal expectations. Appraisers must be more than just estimators—they must be prepared to support the insured’s position with clear documentation, awareness of jurisdictional standards, and a strong grasp of matching laws and valuation practices.
At its best, appraisal empowers policyholders to bypass deadlock and secure fair compensation. But it only works when professionals involved in the claim—especially those making referrals—understand its purpose, limits, and evolving legal context. Education, communication, and collaboration are key to ensuring this powerful tool continues to serve the people it was designed to protect.
