Policyholder Appraisal
Independent, line-by-line evaluation of the amount of a covered property loss, supported by photographs, measurements, estimates, and repair documentation.
Serving property claims across Texas
Fair valuation.
Clear evidence.
Texas experience.
Independent property-insurance appraiser and neutral umpire services focused on one essential question: What is the amount of the loss?
Independent Evidence-led Statewide
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THE APPRAISAL STANDARD
“A practical process for resolving disputes about the amount of a property loss.”
Coverage decisions remain governed by the insurance policy. Our work is limited to lawful appraisal and valuation services—not legal advice, claim adjusting, or coverage advocacy.
Robert A. CoveyTDI-reviewed and listed on the department’s roster of qualified appraisal umpires2Party-appointed appraisers
1Independent umpire if needed
AOLAmount of loss—not coverage
SERVICES
Built for difficult property-loss disputes
Detailed estimating, disciplined documentation, professional communication, and a process that respects the policy.
Carrier Appraisal
Objective claim-file review, site inspection, scope reconciliation, and a clear, defensible estimate prepared for the appraisal process.
Neutral Umpire
Impartial consideration of disputed scope and valuation when the two appraisers cannot agree, with a disciplined focus on the amount of loss.
RESIDENTIAL & COMMERCIAL
Professional appraiser and umpire rates
Every property and dispute is different. Rates vary based on the scope of work, claim complexity, property size, documentation, travel, and the services required.
BASE PRICE
Starting at$1,200
Residential or commercial matters
A written fee agreement will identify the services and rate for your specific assignment before work begins.Request a case quoteTHE PROCESS
From disagreement to a documented award
Every policy is different. The policy’s appraisal clause controls the demand, appointments, timing, expenses, and award requirements.
Review the policy
Confirm the appraisal language, deadlines, property, date of loss, and the exact valuation dispute.
Inspect and document
Examine the property and claim materials, photograph conditions, measure damage, and prepare an itemized scope.
Reconcile the loss
Exchange support with the opposing appraiser and work toward a fair, documented agreement.
Submit disputed items
If agreement is not reached, the unresolved amount-of-loss issues are presented to the selected umpire.
Complete the award
An agreement signed by the required two members of the appraisal panel establishes the amount of loss, subject to the policy and Texas law.
TEXAS LAW & GUIDANCE
What Texas policyholders should know
This plain-language overview is educational. The policy and applicable law control each matter.
Appraisal decides amount
Texas Insurance Code Chapter 1813 describes appraisal as a dispute-resolution process solely for determining the amount of loss when that amount is disputed.
Coverage stays separate
Appraisal does not decide whether the policy covers a loss. Coverage questions and other policy issues remain separate from valuation.
The award is generally binding
Under Chapter 1813, the determined amount is binding except in limited circumstances involving fraud, accident, material mistake, or an award made without authority.
Each side bears costs
TDI explains that each party pays its own appraiser and ordinarily shares the umpire’s expense. Always review the specific policy language.
New statewide appraisal requirement
For covered residential-property and personal-automobile policies delivered, issued, or renewed on or after January 1, 2026, Texas Insurance Code Chapter 1813 requires a compliant appraisal provision. Different rules may apply to TWIA, FAIR Plan, surplus lines, flood, commercial, or older policies.
START A CASE
Bring the file.
We’ll bring clarity.
For an initial appraisal or umpire review, have the policy’s appraisal clause and core claim documents ready.
Initial file checklist
Insurance policy and appraisal clause
Carrier estimate and payment letters
Your estimate, invoices, and photographs
Claim number, property address, and date of loss
Appraisal demand and appraiser appointment letters