General information only
Content on 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 legal advice, not a public adjuster
South Dakota Insurance Appraiser provides appraisal, estimating and umpire services. We are not attorneys, we don’t give legal advice, and we don’t act as public adjusters or negotiate claims outside the appraisal process.
Illustrative figures, no guaranteed results
Every claim is different. Example figures on this site are illustrative and are not results for any client. No appraiser can guarantee an award.
Deadlines
Policies contain deadlines, including for notice, proof of loss, depreciation recovery and lawsuits. Nothing on this site extends or changes any deadline. If one is approaching, consult a South Dakota attorney promptly.
Photographs
Photos are public-domain and CC0 images used for illustration. They don’t show our clients’ properties.
Third-party references
References to laws, agencies and weather events are for context only. Check current law and facts with official sources such as the South Dakota Division of Insurance.