Licensed Ohio Public Adjuster #1367111
Call (419) 504-1601Appraisal & Umpire Services
Insurance appraisal can help when the insurance company accepts coverage, but the value of the covered damage is still disputed.
Keathley Claims Consultants helps Ohio policyholders review appraisal options, organize claim documentation, and handle appraiser or umpire assignments when appropriate.
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Ohio Public Adjuster License #1367111 | Based in Wellington, Ohio | Serving Northern Ohio and statewide Ohio | Call (419) 504-1601
When Appraisal May Make Sense
Appraisal may be worth discussing when the insurance company has accepted coverage for a loss, but the amount being offered does not match the documented damage, repair scope, pricing, or replacement needs. When a contractor estimate and the carrier number stay far apart, Ohio roofing and restoration contractors can review how KCC works with contractor partners on disputed claims.
The carrier estimate is too low to complete the repairs.
The insurance company and contractor disagree on the scope of damage.
Roof, siding, fire, smoke, water, or interior damage is priced too low.
The claim is stuck after repeated estimate revisions.
The covered damage is accepted, but the value of the loss remains disputed.
Both sides need a structured process to resolve the amount of loss.
Most property insurance policies contain an appraisal provision. When invoked correctly, each side selects an appraiser. The two appraisers review the damage, estimates, documentation, and disputed items. If the appraisers cannot agree, an umpire may be selected to help resolve the disagreement.
The final appraisal award can become binding as to the amount of loss, depending on the policy language and applicable circumstances.
In plain English: appraisal is about getting the number resolved when the claim value is disputed.
Appraisal should not be treated as a cure-all for every claim problem. Appraisal usually does not decide:
KCC is not a law firm and does not provide legal advice. If legal issues are involved, speak with an attorney. KCC can help organize and present the damage valuation side of the dispute.
Prepare For Appraisal
A stronger appraisal position starts by separating covered valuation disputes from legal or coverage questions and organizing the evidence around the amount of loss.
1
Review whether the insurance company has accepted coverage and whether the remaining disagreement is valuation, repair scope, pricing, matching, repairability, contents, mitigation, or rebuild cost.
2
Collect the policy, declarations page, carrier estimate, contractor estimate, photos, videos, reports, payment letters, claim number, date of loss, invoices, and written communications.
3
List the valuation items that appear underpaid or missing, and flag any exclusions, causation questions, policy interpretation issues, or legal questions that appraisal may not decide.
4
Use photos, estimates, reports, quantities, pricing, material information, code items, matching issues, and repairability facts to explain the value of the covered damage.
5
Discuss whether the claim needs public adjusting, appraisal consulting, a policyholder appraiser, an umpire, or attorney review depending on the policy language and the nature of the dispute.
KCC Appraisal Roles
Insurance appraisal requires organized documentation, claim estimating knowledge, and the ability to explain disputed scope and pricing clearly.
KCC can serve as the policyholder's appraiser when the dispute is about the value of covered property damage.
KCC may serve as an appraiser for carriers when an independent valuation review is appropriate.
When two appraisers cannot agree, an umpire may help resolve the remaining valuation dispute.
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The more organized the claim file is, the better the appraisal process can be. KCC can review what you have and identify what may still be missing.
Insurance policy and declarations page
Carrier estimate
Contractor estimate
Photos and videos of damage
Engineer reports, ITEL reports, lab reports, or inspection reports
Mitigation invoices
Repair invoices
Contents inventory
Local Appraisal Help
Appraisal support for disputed covered damage values in Northern Ohio.
View areaAppraisal support for disputed covered damage values in Cleveland.
View areaAppraisal support for disputed covered damage values in Lorain County.
View areaAppraisal support for disputed covered damage values in Akron-Canton.
View areaAppraisal support for disputed covered damage values in Toledo.
View areaAppraisal support for disputed covered damage values in Columbus.
View areaAppraisal support for disputed covered damage values in Cincinnati.
View areaAppraisal support for disputed covered damage values in Dayton.
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Call (419) 504-1601 or request an appraisal consultation.
Keathley Claims Consultants | 155 N Main Street, Wellington, OH 44090 | Ohio Public Adjuster License #1367111
