10th Excerpt of the Insured Bill of Rights

10. In the event of a controversy over the total worth of your loss between you and the insurance company you may request appraisal so you don’t have to bring the case to suit. (You can find this on Lines 123-140 of the “Standard Homeowners Form”, which describes how to go about settling differences between you and your insurance company without getting into a lawsuit.)
The insurance company is also entitled to this same right which may be exercised any time before the settlement regardless of any advanced payments you have received. This doesn’t normally occur, in the event that it does, a third party adjuster may be hired, a decent restoration company will be able to help you through this in the event that it occurs.