When a home or business is damaged and the claim reaches an impasse/dispute, the appraisal provision that included in most commercial and residential insurance policies can serve as the best alternative dispute resolution method and will help you to avoid a VERY expensive and VERY time consuming litigation. The Insurance appraisal process results are far more superior and result in MUCH larger settlements than any other dispute resolution such as lawsuit or mediation. Most attorneys will claim you won’t pay a fee with the prevailing party provision but in the end when the "Global Settlement" is discovered; the smoke and mirrors will reveal you may have paid upwards of 50% of the total settlement on attorney fees and other costs.