ID H0769

Requires all automobile insurance policies in Idaho to include an appraisal provision when policyholders and insurers disagree on actual cash value, loss amount, or third-party settlement offers.

Establishes a 20-calendar-day deadline for parties to select their own competent and disinterested appraiser after receiving a written demand, with each party responsible for their own appraisal costs.

Appraisers must complete their appraisal within 20 business days, and if appraisers cannot agree, either party may initiate dispute resolution with a mutually selected umpire within 20 calendar days.

Umpire must issue a final award to one of the appraisers within 20 business days, which becomes the binding actual cash value or loss amount.

Insurer noncompliance constitutes a violation of Idaho insurance trade practices law (Chapter 13, Title 41), with the act taking effect July 1, 2026.