Commercial. Residential. Hail, wind, tornado, fire, water, and flood. When the carrier's scope is insufficient, formal appraisal corrects it — under the terms of the policy you already have.
When the carrier's adjustment is materially insufficient, you invoke the appraisal provision in your policy — a contractual right most policyholders don't know they have. We help you understand whether appraisal is the right path and walk you through the invocation process.
Physical inspection, independent scope, code research, and expert documentation. We construct a comprehensive appraisal position that accounts for every covered loss the carrier missed, undervalued, or excluded improperly.
The appraisal panel issues the award. Under your policy, it is binding on both parties. Not a negotiating position. Not an estimate. The amount of loss is resolved — and the carrier pays accordingly.
Warehouses, retail strips, office campuses, industrial facilities, hotels, and multifamily portfolios. Commercial claims involve higher stakes and more complex scopes — and the largest gap between carrier offer and actual loss. Our biggest awards are commercial.
Avg. 6× carrier offer in top commercial casesSingle-family homes, luxury residences, custom builds, and multi-unit residential. Residential hail and wind claims are among the most frequently under-scoped. We document actual damage, code-required upgrades, and matching requirements.
Wisconsin-licensed for residentialFunctional damage to roofing systems, skylights, HVAC equipment, metal panels, and exterior envelope components. Hail is the most disputed peril — and the one where carrier under-scoping is most systematic and provable.
Most disputed peril in WICommercial and residential fire losses, including smoke, soot, and odor remediation across non-fire zones. Code upgrade requirements, contents claims, and business interruption are all documented and included in our appraisal scope.
Full code upgrade documentationPipe breaks, freeze events, water intrusion, wind-driven rain, and storm flooding. Wind and tornado structural damage with multi-system loss. NFIP and private flood policy disputes. We know the compliance requirements and coverage triggers.
NFIP compliance & private floodFull-property hail inspection with documented functional damage analysis.
Structural and envelope documentation for wind-event losses of all scales.
Complete fire loss documentation including non-fire-zone smoke and soot.
Source-to-finish water loss documentation with moisture mapping.
The formal appraisal process is written into your insurance policy. It exists precisely for situations where the carrier's number and the actual loss are materially different. The review is free. The path is in your policy.
