Claim Record
Estimates, photographs, reports, measurements, and prior repair information are organized and reviewed.
Property insurance appraisal
Insurance Appraisal
Independent appraisal of disputed repair scope, pricing, and amount of loss for residential and commercial property claims.
What this means
Used whenThe parties agree that a covered loss occurred but do not agree on repair scope, pricing, or the amount of loss.
An independent review of the amount of loss.
Appraisal is a process used when the parties disagree about the amount of a property loss. Each party selects an appraiser. The appraisers review the claim, inspect the property when useful, and develop independent positions on repair scope and cost. They then work to resolve the disputed items. Appraisal generally addresses the amount of loss, not policy coverage.
Damage documentation
A position built from the record.
Damage, measurements, photographs, estimates, and field conditions are reviewed together. The result is an organized position that can be clearly explained and supported.
What we look at
A focused review of the disputed amount.
The assignment starts with the items the parties do not agree on. We review the claim record and field conditions, build an independent position, and communicate it clearly.
Property Conditions
When useful, we inspect the property and compare the observed conditions with the proposed repair scope.
Scope & Cost
Repair methods, quantities, pricing, and related work are evaluated to form an independent position.
Appraisal Panel
We work directly with the other appraiser. Items that remain disputed may be presented to the umpire.
What you receive
A supportable position, clearly presented.
Flatland accepts appraisal assignments from insurance carriers, counsel, appraisers, and other parties in the appraisal process. Every position is developed independently from the claim record and the conditions at the property.
Defined list of disputed items
Property inspection when useful
Independent repair scope and estimate
Organized support for the position
Clear communication through the award
Submit an appraisal assignment →Submit an assignment
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