{"id":24337,"date":"2018-07-16T00:10:44","date_gmt":"2018-07-16T04:10:44","guid":{"rendered":"https:\/\/www.propertyinsurancecoveragelaw.com\/?p=21221"},"modified":"2018-07-16T00:10:44","modified_gmt":"2018-07-16T04:10:44","slug":"appraisal-in-nebraska-and-new-insurance-bulletin-regarding-nebraska-appraisals","status":"publish","type":"post","link":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/appraisal-in-nebraska-and-new-insurance-bulletin-regarding-nebraska-appraisals\/","title":{"rendered":"Appraisal in Nebraska and New Insurance Bulletin Regarding Nebraska Appraisals"},"content":{"rendered":"

Nebraska appraisals are virtually non-existent. The Supreme Court of Nebraska equated an appraisal clause to an arbitration clause, as both serve to \u201coust\u201d courts of their jurisdiction, and therefore unenforceable.1<\/sup><\/p>\n

So, I was surprised last week when the Nebraska Department of Insurance issued a Bulletin<\/a> which seemed to suggest that appraisal is possible. I was also surprised that the Nebraska Department of Insurance does not seem to know that a \u201cfire and lightning\u201d policy is not a \u201cfire and lighting\u201d policy nor a \u201cfire and lightening\u201d policy. I assume that spelling may be the problem rather than suggesting that \u201clighting\u201d and \u201clightening\u201d are some type of special coverages.<\/p>\n

The important part of the Nebraska Insurance Bulletin provides:<\/p>\n

The Standard Fire Policy contains a provision related to appraisal which allows either party to the insurance policy to demand an appraisal when the parties cannot agree on the actual cash value or the amount of loss. In 1989, the Nebraska Supreme Court in Rawlings v. Amco Ins. Co.<\/em>, 231 Neb. 874 (1989), ruled that an appraisal clause in an insurance policy substantially similar to the appraisal language in the Standard Fire Policy was void and unenforceable because it bound parties to a nonjudicial determination of future disputes and was thus contrary to public policy.<\/p>\n

Policy language that allows both parties to agree to the appraisal process after a dispute arises is permitted.<\/strong><\/em><\/p>\n

It is not practicable for insurers to include in fire and lightening policies appraisal language that conforms exactly to the Standard Fire Policy as such language would be void and unenforceable in Nebraska courts. To “conform as nearly as practicable to” the conditions of the Standard Fire Policy and to address the ruling of the Court, fire and lightening policies should contain an appraisal provision that would permit appraisals only if agreed to by both parties, after a dispute arises.<\/p><\/blockquote>\n

(Emphasis added)<\/p>\n

Perhaps appraisals will be an agreed method to resolve disputes in Nebraska\u2019s future. The bulletin is certainly suggesting appraisal as an alternative dispute resolution process.<\/p>\n

My research also led to a very good American Bar Association<\/em> paper on the appraisal process from a national perspective<\/a>, which I suggest others maintain for reference.<\/p>\n

Thought For The Day<\/strong><\/p>\n

\u201cThis country really, really works … this country has six times the per capita GDP growth that it had when I was born … this is a remarkable, remarkable country … I would love to be a baby born in the United States today.\u201d<\/strong><\/em>
\n\u2014Warren Buffett, aka the Oracle of Omaha<\/em>
\n__________________
\n1<\/sup> Rawlings v. Amco Ins. Co.<\/em>, 438 N.W.2d 769, 771 (Neb. 1989)<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Nebraska appraisals are virtually non-existent. The Supreme Court of Nebraska equated an appraisal clause to an arbitration clause, as both serve to \u201coust\u201d courts of their jurisdiction, and therefore unenforceable.1<\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[130,263],"tags":[4],"class_list":["post-24337","post","type-post","status-publish","format-standard","hentry","category-appraisers","category-nebraska","tag-insurance"],"acf":[],"yoast_head":"\nAppraisal in Nebraska and New Insurance Bulletin Regarding Nebraska Appraisals | Property Insurance Coverage Law Blog<\/title>\n<meta name=\"description\" content=\"July 16, 2018 Nebraska appraisals are virtually non-existent. 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