Services
Field Appraisals
An insurance claim field appraisal is an evaluation process where an independent appraiser inspects the damage to property or items involved in a claim. This typically happens when there is a dispute between the policyholder and the insurance company over the extent of the damage or the cost of repairs. The appraiser visits the site, assesses the damage firsthand, and provides an unbiased estimate of the repair or replacement costs. This process helps both parties reach a fair resolution without the need for formal legal action, often serving as a key step in resolving disagreements over claims.
Desk Appraisals
An insurance claim desk appraisal is a remote evaluation process where an appraiser reviews the damage and estimate provided by the policyholder or contractor without physically inspecting the property. Instead, the appraiser relies on photos, documentation, and other details submitted online or by mail. This method is often used for less complex claims or when on-site inspections are not possible. While desk appraisals can expedite the claims process, they may not capture all the nuances of the damage, which can sometimes lead to discrepancies or disputes over the claim's value.
Umpire
An insurance umpire acts as an independent third party in the appraisal process when there is a disagreement between the policyholder and the insurance company. The umpire helps resolve disputes by reviewing the evidence, such as estimates and damage assessments, and offering a fair, unbiased opinion. Having an umpire ensures that both parties have a neutral expert involved, which can lead to a more efficient and equitable resolution of the claim. Their involvement helps avoid lengthy litigation, provides a clearer path to settlement, and can improve the overall fairness and transparency of the claims process.
ABOUT OUR AGENCY
Clamium Appraisals, located in Houston, Texas, is dedicated to providing expert property and roof inspections specifically tailored for insurance claims. With the owner's background as a claims adjuster at top insurance firms, our services are distinguished by unparalleled industry knowledge and professionalism.