Appraisal and Disposal of Damaged Contents

August 15, 2016

A fire loss lead to substantial damage to the insured's structure and contents. The contents were disposed of after the insurer provided their spreadsheet to the insured. The insured then invoked appraisal because they disagree with item prices and overall settlement offered from the insurer on the contents. Can the insurer deny the appraisal because the items were disposed of? Please note, the insured possesses pictures of the damaged property, and there is no difference over scope, only the prices of each item.