Everything we handle
The five parts of working a claim — plus appraisal, umpire and expert witness.
Working a claim
Five parts of one claim
This is what a claim needs to be paid properly. We do all of it, in order.
01 // Inspection
Property damage inspection
We go through the property in person and record what is actually damaged.
- Roof to floorStructure, interior, and the outbuildings that get skipped.
- Photographed on siteEvery damaged area, from wide shots down to close-ups.
- Measured, not estimatedNumbers come off the property, not off a screen.
02 // Coverage
Insurance policy review
Your policy decides what can be claimed. It gets read before anything is filed.
- What is coveredThe wording, not the summary page you were sent.
- What is excludedSo nothing is claimed that was never going to be paid.
- What it means for youExplained in plain English, before we go further.
03 // Evidence
Claim documentation
A claim is answered on what can be shown. We build the file that shows it.
- Organised, not scatteredPhotographs, measurements and notes in one place.
- Dated and labelledEvery image tied to the area it came from.
- Kept for youThe file stays available for as long as the claim runs.
04 // The estimate
Repair estimates & supplements
A detailed written estimate for the repair the property actually needs.
- Line by lineEach item of work listed, so nothing hides in a lump sum.
- Built from the fileEvery line traces back to something documented.
- Supplements tooWhat the first estimate missed, written up and submitted.
05 // Negotiation
Claim negotiation
We take the documented file to your insurer and work it through with them.
- They deal with usThe calls, the emails and the re-inspections come to us.
- Answered in writingPositions are put on paper, where they can be checked.
- You stay informedYou are told where it stands, not left guessing.
When a claim goes further
Appraisal, umpire and expert witness
Three separate engagements, each with its own seat at the table.
06 // Appraisal
Appraisal
When you and the insurer cannot agree on the amount of loss, the policy has a way out.
- Your appraiserWe take that seat and put your side of the loss on paper.
- Amount, not coverageAppraisal settles what the loss is worth, not what is covered.
- Two signatures bind itAn award signed by any two of the three sets the number.
07 // Umpire
Umpire services
The neutral third party, brought in when two appraisers cannot agree.
- Neutral by definitionThe seat belongs to neither side, and is worked that way.
- Only the open itemsWhatever the two appraisers already agreed on stays agreed.
- A written decisionThe award is put on paper, not left to a conversation.
08 // Expert witness
Expert witness & court testimony
Property damage, scope and estimating — explained on the record.
- The file, read in fullEstimates, photographs and reports already in the matter.
- A written opinionScope, pricing and method, set out so it can be challenged.
- Deposition and trialThe same opinion, given under oath.
Start here
Not sure which part you need?
Call and describe the damage. We will tell you where the claim stands.
Halls, Tennessee · working across East Tennessee