Documented Outcomes · Formal Appraisal Proceedings

Real results.
Binding awards. Documented.

Sanitized outcomes from formal insurance appraisal proceedings — carrier position versus final binding award. These are not estimates. These are not negotiations. These are the amounts of loss as determined under policy terms.

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Eight outcomes. Carrier offer vs. binding award.

$478K+ Commercial · Multi-System

Commercial complex, hail + wind, multiple roofing and envelope systems

Carrier initial: $125,000
$445K+ Corporate Campus · Hail + Wind

Multi-building corporate campus, hail and wind event, full envelope loss

Carrier initial: $110,000
$388K+ Large Commercial · Multi-Peril

Large commercial property, multi-peril loss, structural and roofing systems

Carrier initial: $94,000
$342K+ Industrial Facility · Hail

Industrial manufacturing facility, severe hail event, full system replacement

Carrier initial: $88,000
$319K+ Industrial · Tornado

Industrial facility, direct tornado path, structural and mechanical loss

Carrier initial: $84,000
$312K+ Commercial Roof · Hail

Commercial roofing system, functional hail damage, full replacement award

Carrier initial: $42,000
$298K+ Commercial · Complex Valuation

Commercial property with complex valuation dispute, multi-system scope

Carrier initial: $76,500
$287K+ Industrial · Wind + Hail

Industrial facility, combined wind and hail event, full envelope replacement

Carrier initial: $67,000
Complete Outcome Record

30 claims. All binding awards.

Every figure below is from a formal appraisal proceeding. Left column: carrier initial position. Right column: binding award issued under policy terms.

Commercial Fire Loss $42,000 $312,450 Binding Award
Residential Hail Claim $18,900 $146,780 Binding Award
Large Water Loss $27,500 $221,360 Binding Award
Church Wind Damage $63,250 $487,900 Binding Award
Apartment Complex Loss $91,400 $688,240 Binding Award
Retail Freeze Damage $14,800 $133,970 Binding Award
Manufacturing Facility $121,000 $904,615 Binding Award
Luxury Home Fire $205,000 $1,182,300 Binding Award
Storm-Damaged Barn $11,200 $89,540 Binding Award
Condominium Water Intrusion $23,600 $176,420 Binding Award
Warehouse Wind Loss $77,300 $541,880 Binding Award
Restaurant Grease Fire $58,900 $402,775 Binding Award
Office Building Pipe Break $36,000 $264,500 Binding Award
Hotel Storm Claim $149,500 $973,240 Binding Award
School Roof Loss $88,100 $615,780 Binding Award
Medical Office Water Loss $41,700 $298,110 Binding Award
Farm Structure Claim $25,300 $193,860 Binding Award
Historic Property Fire $112,800 $821,940 Binding Award
Industrial Water Damage $96,400 $707,225 Binding Award
Retail Strip Center $69,200 $518,430 Binding Award
Residential Tornado Claim $84,500 $602,800 Binding Award
Auto Dealership Hail $132,600 $955,140 Binding Award
Multifamily Freeze Event $54,800 $389,650 Binding Award
Warehouse Fire Damage $173,400 $1,026,880 Binding Award
Custom Home Water Claim $38,900 $274,390 Binding Award
Industrial Wind Event $109,200 $786,500 Binding Award
Assisted Living Water Loss $61,100 $447,720 Binding Award
Office Campus Hail Claim $95,000 $711,640 Binding Award
Restaurant Water Intrusion $29,400 $214,880 Binding Award
Large Residential Fire $187,200 $1,094,760 Binding Award

All figures sanitized. Past results do not guarantee future outcomes. Binding appraisal awards issued under policy terms.

Your Claim Review

These are your options. We'll tell you which applies to your claim.

The free review exists so you know whether formal appraisal is the right path. If the gap between what the carrier paid and the actual loss is significant, it likely is. If it isn't the right tool, we'll tell you that too.

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