If an insured makes a claim for property damage and the insurer offers a payout lower than what the insured believes the property was worth, the insured can demand an appraisal under the contract's antilapse clause.

Question

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An antilapse clause is designed to prevent a policy from lapsing if the policyholder fails to make a payment; it is not related to the appraisal process for disputes over claim payouts.

If an Insured Makes a Claim for Property Damage and the Insurer