Our services
Insurance Appraiser & Umpire
When a claim dispute can't be resolved between an insurer and a policyholder, the appraisal process provides an independent, expert resolution — and we serve both sides.
What is the appraisal process?
Most property insurance policies include an appraisal clause that allows either party to invoke appraisal when they cannot agree on the amount of a loss.
Each side selects a competent, independent appraiser. Before any inspection occurs, the two appraisers typically agree on and select a neutral umpire upfront. Both appraisers then inspect the property together, review the facts of the loss, and work toward an agreed amount. If they cannot reach agreement, the umpire reviews both positions and issues a binding decision.
"Appraisal is not about who is right or wrong — it's about determining what the facts of the loss actually support."
Who we serve
Policyholders — If your insurer has invoked appraisal or you want to demand it, we can serve as your appointed appraiser and fight for the full value of your loss.
Insurance companies — We also serve as a competent, neutral appraiser for insurers seeking a qualified independent professional.
Umpire services — We are available to serve as umpire, providing an experienced, neutral party when both appraisers cannot reach agreement.
Service area
States we serve
Appraisal and umpire services available in:
The process
How appraisal works
Appraisal is invoked
Either the insurer or policyholder formally demands appraisal in writing per the policy's appraisal clause.
Appraisers are selected
Each party selects a competent, independent appraiser within the timeframe specified in the policy.
Umpire is agreed upon
Before inspections begin, both appraisers work together to select and agree on a neutral umpire who will resolve any disagreement.
Joint inspection
Both appraisers inspect the property together, review all documentation, and work toward an agreed amount of loss.
Resolution
If the appraisers agree, the matter is resolved. If not, the umpire reviews both positions and issues a binding decision. Any two of the three signatures closes the appraisal.