WashingtonInsurance Appraiser
(844) 537-1427Free review

Appraisal service

Carrier Estimate Review for Washington Property Claims

Before anyone demands appraisal, it helps to know exactly where the insurer’s estimate falls short and what that gap is worth. A review gives you that answer.

Call (844) 537-1427Free claim review
Output
Written gap summary
Turnaround
Days, not weeks
Next step
Supplement or appraisal

What a review looks at

An insurer’s estimate can run dozens of pages, with codes and abbreviations that are hard to follow. We go through it line by line and compare it with the damage, your photos and any contractor estimate you have.

  • Scope. Are all damaged rooms, slopes, elevations and structures included?
  • Quantities. Do the square footage, linear feet and roof squares match the measurements?
  • Pricing. Are unit prices realistic for your county and the current market?
  • Depreciation. Is it reasonable for the age and condition of each item, and applied only where the policy allows?
  • Overhead and profit. Is a general contractor reasonably needed to coordinate the trades?
  • Code items. Has ordinance or law coverage been considered where required?

What you get

A plain-English summary of the gaps, with the approximate dollar value of each, and our honest view of the best next step. Often that’s a documented supplement request to the insurer. Sometimes it’s appraisal. Occasionally it’s a conversation with an attorney or the Office of the Insurance Commissioner.

Why review first

Demanding appraisal without knowing your number is a gamble. A review shows whether the gap is large enough to justify appraisal costs, and it gives your appraiser a head start if you go forward.

Frequently asked questions

Do I need my own contractor estimate for a review?

It helps, but it isn’t required. We can review the carrier’s estimate against photos and our own inspection.

Will you contact my insurer?

Not during a review unless you ask us to. The review is for you to decide what to do next.

What does a review cost?

We quote a flat fee in writing based on the size of the claim before starting. The first conversation is free.

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Have a claim that doesn’t add up?

Send us the insurer’s estimate. We’ll review it and tell you what we see.

(844) 537-1427Email the estimate