Insurance Appraisal Deadlines by State
Statutory and court-made deadlines for demanding appraisal, naming appraisers and umpires, issuing the award and paying it.
9 states have a researched rule on deadlines, drawn from statutes, court decisions and department guidance, with 1 court decisions on the subject. Other states are not yet reviewed.
| State | Rule |
|---|---|
| California | 20 days to name appraiser; 15 days for umpire; paid 60 days after award |
| Florida | Pre-suit notice: 10 business days; suit allowed 90 days later |
| Illinois | 7 / 5 / 15 / 5 business days (auto) |
| Iowa | 20 / 15 / 45 / 45 / 60 days |
| Louisiana | Demand within a reasonable time |
| Minnesota | 20 days to name appraiser; 15 days for umpire |
| Oklahoma | 20 days to name appraiser; 15 days for umpire |
| Texas | TWIA: 60 days to demand; statewide periods pending TDI rules |
| Wisconsin | Limitation period tolled during appraisal |
California
20 days to name appraiser; 15 days for umpire; paid 60 days after award. Each party selects its appraiser and notifies the other within 20 days of the written request; the appraisers have 15 days to agree on an umpire before a judge may select one. The loss is payable 60 days after proof of loss is received and the loss is ascertained, either by written agreement or by filing the award with the insurer (Ins. Code §2071, Appraisal and When loss payable).
Full California entry · verified October 20, 2026
Florida
Pre-suit notice: 10 business days; suit allowed 90 days later. Before suing under a property policy, a claimant must give the Department of Financial Services written notice of intent to initiate litigation at least 10 business days before filing, and the insurer must respond in writing within 10 business days. If the notice alleges an act or omission other than a denial of coverage, the insurer must respond with a settlement offer or by requiring appraisal or another method of alternative dispute resolution. Limitation periods under s. 95.11 are tolled while appraisal is ongoing, and if appraisal has not concluded within 90 days after the 10-day notice period expires, the claimant may file suit without further notice (Fla. Stat. §627.70152(3)-(4)).
Full Florida entry · verified October 20, 2026
Illinois
7 / 5 / 15 / 5 business days (auto). Name appraisers within 7 business days of the demand; appraisers have 5 business days to agree; 15 business days to agree on an umpire; final award within 5 business days of the umpire's selection (215 ILCS 5/398(b)).
Full Illinois entry · verified October 20, 2026
Iowa
20 / 15 / 45 / 45 / 60 days. Select appraisers within 20 days of the demand; agree on an umpire within 15 days; appraisers submit within 45 days of the umpire's selection; umpire issues the award within 45 days of the submissions; insurer pays within 60 days of the award (§522F.14, §522F.16).
Full Iowa entry · verified October 20, 2026
Louisiana
Demand within a reasonable time. In Alina LLC v. State Farm Fire & Casualty Co. (W.D. La. Aug. 31, 2026), the district court reversed an order compelling appraisal after finding error in how a reasonable-time standard was applied to the undisputed facts. A district-court ruling, specific to its record.
- Court decision Alina LLC v. State Farm Fire & Casualty Co. (No. 5:26-cv-00692, Doc. 29, 2026)
Full Louisiana entry · verified October 20, 2026
Minnesota
20 days to name appraiser; 15 days for umpire. Each party names its appraiser within 20 days of the written demand; the appraisers have 15 days to agree on an umpire before either party may ask the court to appoint one (§65A.01, subd. 3).
Full Minnesota entry · verified October 20, 2026
Oklahoma
20 days to name appraiser; 15 days for umpire. Each party selects its appraiser and notifies the other within 20 days of the written demand; the appraisers have 15 days to agree on an umpire before either side may ask a district judge to select one (36 O.S. §4803(G)).
Full Oklahoma entry · verified October 20, 2026
Texas
TWIA: 60 days to demand; statewide periods pending TDI rules. A claimant who disputes the amount of loss may demand appraisal no later than the 60th day after receiving TWIA's coverage notice under §2210.573(d)(1) or (2). On a written request showing good cause, made within 15 days after that period ends, TWIA may allow 30 more days. A claimant who misses these periods waives the right to contest TWIA's loss determination. The appraisal must be completed within a period set by commissioner rule (Tex. Ins. Code §2210.574(b)-(d-1), (f)). For personal auto and residential property policies, Chapter 1813 requires the commissioner to adopt rules setting the period to complete an appraisal (§1813.002); TDI proposed those rules as 28 TAC §§5.9800-5.9806 and held a hearing on June 2, 2026. Check TDI for the adopted version and effective date.
- Statutes Tex. Ins. Code §2210.574 (TWIA: disputes concerning amount of accepted coverage); Tex. Ins. Code ch. 1813 (Appraisal of Disputed Losses), added by SB 458 (2025)
- Department guidance TDI rule hearing, docket 2862: proposed 28 TAC §§5.9800-5.9806 (appraisal requirements)
Full Texas entry · verified October 20, 2026
Wisconsin
Limitation period tolled during appraisal. An action on a fire insurance policy must be commenced within 12 months after the inception of the loss (Wis. Stat. §631.83(1)(a)), but the period of limitation is tolled while the parties conduct an appraisal or arbitration procedure prescribed by the policy or by law, or agreed to by the parties (§631.83(5)). The statute's annotations note that an agreement to appraise requires more than an agreement to meet and discuss the dispute.
Full Wisconsin entry · verified October 20, 2026
Other subjects: State license · Contingency fees · Impartiality · Umpire selection · Causation · Coverage · Award
Research, not legal advice. Each entry summarizes the linked statute, regulation, guidance or court decision as checked on the date shown. Laws change, policy wording controls, and courts in the same state can disagree. Read the source and consult a licensed attorney before relying on any entry. Coverage is not yet exhaustive: states marked "Not yet reviewed" have not been researched, not "no rule".
Frequently asked questions
What appraisal deadlines apply in California?
20 days to name appraiser; 15 days for umpire; paid 60 days after award. Each party selects its appraiser and notifies the other within 20 days of the written request; the appraisers have 15 days to agree on an umpire before a judge may select one. The loss is payable 60 days after proof of loss is received and the loss is ascertained, either by written agreement or by filing the award with the insurer (Ins. Code §2071, Appraisal and When loss payable).
What appraisal deadlines apply in Florida?
Pre-suit notice: 10 business days; suit allowed 90 days later. Before suing under a property policy, a claimant must give the Department of Financial Services written notice of intent to initiate litigation at least 10 business days before filing, and the insurer must respond in writing within 10 business days. If the notice alleges an act or omission other than a denial of coverage, the insurer must respond with a settlement offer or by requiring appraisal or another method of alternative dispute resolution. Limitation periods under s. 95.11 are tolled while appraisal is ongoing, and if appraisal has not concluded within 90 days after the 10-day notice period expires, the claimant may file suit without further notice (Fla. Stat. §627.70152(3)-(4)).
What appraisal deadlines apply in Illinois?
7 / 5 / 15 / 5 business days (auto). Name appraisers within 7 business days of the demand; appraisers have 5 business days to agree; 15 business days to agree on an umpire; final award within 5 business days of the umpire's selection (215 ILCS 5/398(b)).
What appraisal deadlines apply in Iowa?
20 / 15 / 45 / 45 / 60 days. Select appraisers within 20 days of the demand; agree on an umpire within 15 days; appraisers submit within 45 days of the umpire's selection; umpire issues the award within 45 days of the submissions; insurer pays within 60 days of the award (§522F.14, §522F.16).
What appraisal deadlines apply in Louisiana?
Demand within a reasonable time. In Alina LLC v. State Farm Fire & Casualty Co. (W.D. La. Aug. 31, 2026), the district court reversed an order compelling appraisal after finding error in how a reasonable-time standard was applied to the undisputed facts. A district-court ruling, specific to its record.
What appraisal deadlines apply in Minnesota?
20 days to name appraiser; 15 days for umpire. Each party names its appraiser within 20 days of the written demand; the appraisers have 15 days to agree on an umpire before either party may ask the court to appoint one (§65A.01, subd. 3).
What appraisal deadlines apply in Oklahoma?
20 days to name appraiser; 15 days for umpire. Each party selects its appraiser and notifies the other within 20 days of the written demand; the appraisers have 15 days to agree on an umpire before either side may ask a district judge to select one (36 O.S. §4803(G)).
What appraisal deadlines apply in Texas?
TWIA: 60 days to demand; statewide periods pending TDI rules. A claimant who disputes the amount of loss may demand appraisal no later than the 60th day after receiving TWIA's coverage notice under §2210.573(d)(1) or (2). On a written request showing good cause, made within 15 days after that period ends, TWIA may allow 30 more days. A claimant who misses these periods waives the right to contest TWIA's loss determination. The appraisal must be completed within a period set by commissioner rule (Tex. Ins. Code §2210.574(b)-(d-1), (f)). For personal auto and residential property policies, Chapter 1813 requires the commissioner to adopt rules setting the period to complete an appraisal (§1813.002); TDI proposed those rules as 28 TAC §§5.9800-5.9806 and held a hearing on June 2, 2026. Check TDI for the adopted version and effective date.
What appraisal deadlines apply in Wisconsin?
Limitation period tolled during appraisal. An action on a fire insurance policy must be commenced within 12 months after the inception of the loss (Wis. Stat. §631.83(1)(a)), but the period of limitation is tolled while the parties conduct an appraisal or arbitration procedure prescribed by the policy or by law, or agreed to by the parties (§631.83(5)). The statute's annotations note that an agreement to appraise requires more than an agreement to meet and discuss the dispute.