Bechir Louati v. State Farm Fire and Casualty

Year: 2018
Court: Appellate Division, First Department
Case Number: 150888/16

Appraisal is an expeditious, cost-effective procedure by which the policyholder and the insurance company can resolve disputes without resorting to litigation. The scope of the appraisal process, includes precisely that – the “scope” or “extent” of the loss. Put another way, the work needed to perform proper repairs of damaged property, when the loss is covered and not in dispute, is clearly appraisable. UP reminded the Court that New York public policy favors appraisal proceeding instead of, or before, a trial on damages, as is the case in most U.S. jurisdictions. Thus, UP urged the Court to reverse the decision of the lower court and find that the extent of loss is appraisable under case law and within the plain meaning of the governing statute, New York Insurance Law section 3408(c).

UP’s brief was authored by Jean F. Gerbini of White Osterman and Hanna LLP


The information presented in this publication is for general informational purposes and is not a substitute for legal advice. If you have a specific legal issue or problem, United Policyholders recommends that you consult with an attorney. Guidance on hiring professional help can be found in the “Find Help” section of United Policyholders does not sell insurance or certify, endorse or warrant any of the insurance products, vendors, or professionals identified on our website.

Date: March 5, 2024