Storm damage disputes consistently favor the insurer — unless the policyholder invokes formal appraisal. We represent you through the process your policy already provides. Binding results. No litigation required.
The policyholder selects their appraiser — that's us. The carrier selects theirs. We build the valuation case from physical evidence, independent of what the carrier has already paid or offered.
The two appraisers agree on a neutral umpire — or the selection follows policy terms or court process. The umpire resolves disagreements between the two positions. This is where preparation determines outcome.
When the required agreement is reached, the appraisal award establishes the amount of loss. It is final and binding under the policy terms — not a negotiating position, not a preliminary estimate. Done.
Functional damage to roofing membranes, metal panels, skylights, and exterior envelope materials. Carriers routinely scope hail at less than full replacement — appraisal corrects that.
Most disputed storm peril in WIStructural displacement, cladding failures, and mechanical system damage from wind events. Scope deficiencies on wind claims are the rule, not the exception, at first adjustment.
High scope gap frequencyMulti-system losses with structural compromise that most general adjusters miss. Total-loss disputes and code upgrade conflicts are common — and winnable through appraisal.
Highest award deltaBuilding, contents, and business income under flood policies. NFIP and private flood policies carry strict requirements that general adjusters routinely misapply. We know the rules.
NFIP compliance expertiseFrom retail strips to industrial facilities, commercial losses involve complex scope and higher stakes. The size of the gap between carrier scope and actual damage is typically largest in commercial claims.
Largest award outcomesSanitized outcomes from formal appraisal proceedings. Format: carrier position → final award.
All figures sanitized. Past results do not guarantee future outcomes. Binding appraisal awards issued under policy terms.
If the carrier's estimate is materially below the actual scope of loss, appraisal may be the fastest path to an accurate, binding valuation.