Insurance Appraisal & Umpiring Services

What is an Insurance Appraisal?

Many times home and business owners find themselves in disagreement with the insurance company on the extent of damages or the amount of money it will cost to repair the damages they’ve experienced during a loss. When the insurance company refuses to bend, you have the option to demand appraisal. The Appraisal Clause, also know as The Appraisal Provision, allows you to have two third-parties separate from the Insurance Company voice their opinion on your damages, and amount to be paid. It’s been described sort of like court arbitration, but without courtrooms, lawyers, or judges.

About the Appraisal Clause

Most policies have an “Appraisal Clause”. You can usually find it in your policy under the “Conditions” or “What to do after a loss” segment. If you have trouble finding it, call one of our specialists, who can assist you. An Appraisal Clause will usually read something like this:

“If you and we fail to agree on the amount of loss, either one can demand that the amount of the loss be set by appraisal. If either makes a written demand for appraisal, each shall select a competent, independent appraiser. Each shall notify the other of the appraiser’s identity within 20 days of receipt of the written demand. The two appraisers shall then select a competent, impartial umpire. If the two appraisers are unable to agree upon an umpire within 15 days, you or we can ask a judge of a court of record in the state where the residence premises is located to select an umpire. The appraisers shall then set the amount of the loss. If the appraisers fail to agree within a reasonable time, they shall submit their differences to the umpire. Written agreement signed by any two of these three shall set the amount of the loss.”

Coming to an Agreement

Coming to an agreement with the insurance company will save you some time, if they are willing to be fair, and you are satisfied with the results of your own negotiating skills. If this doesn’t happen, and you feel defeated, don’t lose hope. Contact us and set up a consultation for a free policy review to find out if appraisal is an option. Don’t be afraid to invoke appraisal; it is your right. Your hired appraiser will explain the appraisal process to you, and keep you informed of any and all changes.

Cost of Appraisal

Policyholders are responsible for paying their hired Appraiser. The Insurance Company is responsible for paying the Appraiser that they have chosen. Noble Public Adjusting Group charges $250 per hour, not to exceed 3% of the RCV total or 10% of the total increase, whichever is more. This will include negotiation time (in person, over the phone, and by email), travel time, and time spent at the property and time spent on paperwork.

It is the policyholder’s responsibility to pay their appraiser; but the increase in funding to repair your damages counterbalances the expense; it comes out of money that you never would have had. Payment is not due until the appraisal is settled and all hours are tallied. Please call us for a better approximation of costs.

You don’t have to take the insurance company’s word for how much your damages are worth.

If you feel that you need more money to get back to pre-loss condition, it’s best to use a public adjuster or to invoke your right to appraisal. Begin by finding your policy, and giving us a call. We have professional and experienced public adjusters and appraisers on staff ready to take on your claim! We’re here to help with any questions you have, and they will be answered within the next 24 business hours!

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Why Choose Us?

Our Experience and Expertise in Dealing with Insurance Companies Is Unrivaled

Whether the claim has already been filed, needs to be filed, or has been closed with an unsatisfactory payout; we can represent you at any point in your claim process, even if your claim has been denied.

Contact Us Today!

How Does It Work?

Using a public claims adjuster increases insurance claim payouts by 747% on average, according to a government study.

Umpiring Services

An insurance umpire is a competent, disinterested, impartial individual who is charged with making a decision regarding the value of a property or the amount of property loss.

Umpiring Requirements

For umpires to be qualified through the National Association of Insurance Umpires, they must meet 3 licensing and/or certification requirements.

They also need to have knowledge of the state property claim laws and jurisdiction issues in which they practice.
Be physically able to inspect damaged properties, including climbing and inspection of roof claims.
Produce written reports or estimates for any property damages and be able to distinguish between Replacement Cost Value and Actual Cash Value.

As an experienced appraisal company with over 5000 appraisals under our belt, Noble Public Adjusting Group makes a solid candidate for Umpiring Services. We offer these services nation-wide, including the islands. Our fee is $500 per hour plus any travel expenses.

Please notify us if you have decided to appoint one of our Umpires, Public Adjusters, Estimators, or Appraisers as an umpire on a claim, Contact Us.

Enlist the Top Reviewed Public Adjusting & Insurance Firm for Your Insurance Appraisal

Google Rating

4.8

Based on 350 reviews

Noble Public Adjusting Group

4.8

Paul Palmer

1699026803

We were unable to communicate with our insurance carrier after the damage from Hurricane Ian. We turned our claim over to Noble PA Group . Ben McGee of the Noble Group was able to negotiate a settlement that was 3 times more than what we were initially offered. After correct documentation, a reinspection and months of diligent negotiation we received an acceptable settlement. We were then able to restore our house back to its previous condition. We could not have done this without their expertise. We highly recommend them.

StarlaJene

1691549783

Montanna was our agent. If I could she would get 10 stars!I am leaving a review to express my sincerest gratitude for the exceptional work and professionalism from Montana on our account following Hurricane lan. It has been an absolute pleasure working with someone as diligent and kind as her, and we are truly grateful for all the hard work she put in while managing our case.We cannot thank her enough for her outstanding service and dedication to our account. She has gone above and beyond our expectations, and we look forward to the opportunity toworking with her again in the future should the need arise (but we hope it doesn't).The owner is fantastic as well, he is dedicated and wants to be sure everyone has the best experience!(It took us a while to get an agent as great as Montana, and had it not been for her I would have given the company as a whole 2 stars because the previous agents we had were not good at all and hopefully they have been coached to being better equipped and more efficient in their approach with the clients as well as insurance companies)

Debbie Birney

1690817851

Excellent experience. Will use them again if needed in future and highly recommend this group.

Molly Max

1684672395

Ben Maxwell was a great advisor and negotiator with the insurance company. After he got involved, the insurance company finally did what they were supposed to do…(pay for damage from the storm). Miranda was also very helpful. Thank you to Ben and Miranda. We were so fortunate to have you on our team!

Jackie Slaten

1679526582

Sheryl Maynard

1676943971

We asked Noble for help a year after Hurricane Michael did extensive damage to our house. Our insurance company initially paid us less than the amount to repair our roof.After going thru several adjusters Ariel Morales began handling our claim. Ariel continued working thru our claim even after our insurance company went bankrupt. He helped navigate the process thru FIGA which was quite challenging to say the least. We ended up going to appraisal then having to engage an umpire. We finally got the help we needed and fair settlement. We would have never been able to recover the expense of our home repairs. Thank you so much Ariel! We really appreciate your help and persistence.

Lizsa Montgomery

1675969281

Tommy Browning is our adjuster. He has gotten more done in the 1st week than our insurance company has done in 4 months. He calls me daily to check up and see if I need anything and that all the contractors have upheld their appt times. Really nice to have someone that sincerely looks out for your best interest. 💜

Denise wold

1673828461

So thankful for this group as I was at wits end trying to get through to my ins company. Kristina came for the initial visit which felt like family! Then Joe scheduled to come out and do a 3D photo . They have answered all my questions in a timely manner and worked with my crazy work schedule which has been so nice. Wish I had reached out sooner!

Joyce Cole

1673300342

We hired Noble Public Adjusters Group a few weeks ago to help us get our insurance company to settle our Hurricane Ian claim. We are so happy we did and should have done it much sooner! We had Adjuster William Dishaw come view our home’s damage and document not just not what we knew of but also what he found was damage. Could not have been a better visit and a relief to hire someone on our side and not the insurance company side. He set us up to be able to monitor at any time a client portal to view progress. He sent us Brent Williams of Matterport to scan our home and while Brent was documenting damage with pictures he saw more we did know we had. Brent was professional and informative. His eagle eyes are amazing. Never would have seen the damage he saw. This entire experience so far has been professional and we are so very happy to be on board with Noble Public Adjusters Group!!! Excellent people. Thank you all!!!!

david dalton

1671388073

Contacted N.P.A.G. and connected with Tommie Browning. He came right out and assisted me with dealing with ins. co. Shockingly my ins. co. actually came up with a fair offer. (Citizens), so we didn't actually sign a contract. I can't thank Tommie and Noble enough for their help.This will be my go to company in the future.

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Facebook Rating

4.9

Based on 217 reviews

We Even Have Our Own Reality TV Show – Insurance Wars

A lot of our what we do appears on our hit TV show “Insurance Wars”. We created this show to shed light on the actual battle between the insurance adjuster and the public adjuster to settle a claim for our clients. “Insurance Wars” allows clients to share their personal stories of their lives being turned upside down after being affected by natural disasters and desperately needing help and advice. The misconception of public adjusters is proven false after Noble interjects the expertise and knowledge our employees provide.