Our insured moved a commercial appliance which damaged a few floor tiles. The commercial kitchen is a hodgepodge of mismatched floor tiles. Against our recommendations the insurer paid for the few floor tiles (workmanship) but now the insured wishes to go to appraisal on the value of the few cracked floor tiles, claiming the floor must be replaced and the entire floor redone to accommodate the repairs. Can we limit the Appraisal to the value of the small number of cracked tiles? Loss is in Georgia.

Lousiana Subscriber

An appraisal is to be used when the insured and the insurer disagree on the value of the property or the amount of the loss, which is the situation you have here. The policy language does not describe what needs to be in an appraisal, but some states have statutes regarding such.