What if I Disagree with My Claim Payment?

What if I Disagree with My Claim Payment?

If you disagree with our evaluation of your claim, please call us at 1-800-979-6440, option 1, to discuss your concerns. We may require additional information that could justify additional payments.


In the event we are unable to reach an agreement, your TFPA policy provides the option to enter into appraisal. Under the terms of your policy, appraisal is a process for resolving the disputed value of your claim, or the costs of repair and/or replacement. Damages not covered under your policy, or damages beyond the scope of your loss, are not subject to appraisal.

The first step in the appraisal process is to provide us notice in writing of your request for appraisal.

Next, you and TFPA will each hire an independent and competent party to serve as an appraiser. The two appraisers may also choose an umpire. Each appraiser will prepare an estimate of your loss, and if they cannot agree, will present their estimates to the umpire. An appraisal award signed by any two of the parties will set the value of the loss. Each party will pay its own appraiser and bear the other expenses of the umpire equally.