Appraisal Services

Resolve Claim Disputes Through the Appraisal Process

HP Adjustments provides independent insurance appraisal services for disputed property insurance claims, assisting policyholders and industry professionals with disagreements involving the amount of loss. The appraisal process may provide a structured alternative to litigation, subject to the terms of the insurance policy. Our services focus on evaluating the scope of damage, repair costs, and disputed valuations. We work with policyholders, public adjusters, attorneys, and other industry professionals to help facilitate a fair, well-documented appraisal process.

Request Appraisal Assistance

The Appraisal Process

What Is Appraisal?

Many property insurance policies contain an appraisal provision that provides a process for resolving disagreements over the amount of loss. When properly invoked under the policy, appraisal allows the parties to obtain an independent evaluation of disputed damages and repair costs without necessarily resorting to litigation.

STEP 01

Appraiser Selection

Each party selects an appraiser in accordance with the policy's appraisal provision. The appraisers independently evaluate the disputed scope of damage and amount of loss.

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STEP 02

Umpire Selection

The appraisers select an impartial umpire in accordance with the policy. If they cannot agree on disputed items, those differences may be submitted to the umpire for consideration.

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STEP 03

Appraisal Award

An appraisal award is generally established when two members of the appraisal panel agree and sign the award, subject to the policy terms and applicable law. Coverage questions may remain separate.

How We Support the Process

Our Role in the Appraisal Process

HP Adjustments provides independent appraisal services supported by extensive insurance industry experience, detailed damage evaluations, and comprehensive estimate preparation. We accept appraisal assignments from policyholders, public adjusters, attorneys, and other industry professionals while maintaining the impartiality and professional judgment required of a disinterested appraiser..

Policy & Scope Review

We review relevant policy provisions and available claim documentation to identify the disputed scope of damage and establish a foundation for an independent valuation.

Detailed Estimate Preparation

We prepare comprehensive repair estimates using Xactimate and other industry-standard estimating resources to support our valuation findings.

Joint Inspections

We participate in joint inspections with the other appraiser and, when appropriate, the umpire to evaluate disputed damages and document relevant conditions.

Collaborative Resolution

We communicate professionally with the appraisal panel, evaluate differences in scope and valuation, and work toward a fair, supportable appraisal award.

Umpire Selection Support

When necessary, we participate in selecting a qualified, impartial umpire in accordance with the policy's appraisal provision.

Appraisal Clients

Who We Work With

HP Adjustments serves as a disinterested appraiser for a wide range of parties facing disputed property insurance claims.

Public Adjusters

PA Firms Needing Appraisal Support

We work with public adjusting firms seeking experienced, independent appraisal services for disputed property insurance claims. Our detailed damage evaluations, estimating experience, and understanding of the appraisal process support thorough, well-documented valuations.

Policyholders

Property Owners with Disputed Claims

When disagreements arise over the scope of damage or amount of loss, appraisal may provide a structured process for resolving valuation disputes. We provide independent evaluations to help property owners navigate the appraisal process with confidence.

Legal

Attorneys Requiring a Qualified Appraiser

We provide independent appraisal services for attorneys handling property insurance disputes, including matters involving contested repair estimates, damage scope, and valuation differences. Our approach emphasizes detailed documentation, professional communication, and supportable findings.

WHEN APPRAISAL MAY BE APPROPRIATE

When to Consider Appraisal

Appraisal is a contractual right under most property insurance policies. If any of these apply to your claim, it is likely time to invoke it.

Disputes over scope or value of loss

Your estimate and the carrier's estimate differ significantly, and neither side is willing to move.

Underpaid estimates from the carrier

The insurance company's settlement offer falls well short of what it would actually cost to restore the property.

Stalled negotiations

Direct back-and-forth with the adjuster has stopped moving forward, and you need a structured, time-bound resolution.

Significant scope differences between parties

The carrier's scope of loss omits major damage items that you believe are covered under the policy.

The HP Difference

Why Choose HP Adjustments

Not every appraiser brings the same depth of experience. Here's what sets HP Adjustments apart in the appraisal process.

40+ Years of Combined Experience

Our team brings over four decades of combined property insurance and claims experience to every appraisal engagement.

Policy & Scope Expertise

We bring extensive experience reviewing policy provisions, evaluating damage documentation, and understanding the scope and valuation issues involved in property insurance disputes.

Dual Adjustment & Appraisal Background

Our experience across multiple sides of the insurance claims process provides valuable insight into how damages are evaluated, estimates are prepared, and differences in scope and valuation arise.

Objective, Independent Approach

As a disinterested appraiser, we focus on the documented facts, accurate damage assessment, and supportable valuations. Our goal is a fair, impartial appraisal process consistent with the applicable policy provisions.

Ready to Get Your Claim Reviewed?

Contact us today for a free consultation. We evaluate your property damage and help you get what you are entitled to from your insurance company.

(386) 214-8563

Serving Daytona Beach, Orlando, Volusia County & Central Florida

HP Adjustments

Licensed Florida Public Adjusters serving Daytona Beach, Orlando, Volusia County, and Central Florida. We fight for policyholders, not insurance companies.

Daytona Beach, FL

Heather Pacheco, FL Lic. #W604295 | NC Lic. #19316345
HP Adjustments, LLC, Firm Lic. #G259997