When the insured and the insurer fail to agree on the amount to be paid for a property loss the procedure is specified in the?

When the insured and the insurer fail to agree on the amount to be paid for a property loss, the procedure is typically specified in the insurance policy under the "appraisal clause." This clause allows either party to request an appraisal, where each side selects an independent appraiser. These appraisers then assess the loss and submit their findings, which can help resolve the disagreement. If the appraisers cannot agree, an umpire may be appointed to make a final decision.