The exact details of this process vary by insurer and policy type. In addition, the cost of the rider may increase your insurance premiums or result in an increased deductible. Adding a rider typically involves an appraisal of the item(s) or person that you want to cover. https://www.insuracarelife.com/blog/allstate-rejects-332k-appraisal-award-after-accepting-hail-damage-claim-process/