Frequently asked questions

It's a provision in most Texas homeowner policies that lets you and your insurer resolve a disagreement about the amount of loss without going to court. Each side names an independent appraiser; the two appraisers pick a neutral umpire; and an agreement between any two of the three sets the binding amount.

A public adjuster is licensed to negotiate and adjust your entire claim on your behalf, typically for a percentage of the settlement. An independent appraiser serves a narrower, impartial role: valuing the amount of loss under the appraisal clause for a flat fee. We are independent appraisers — we do not adjust your claim or work on contingency. That independence is what keeps an appraisal award credible and defensible.

No. We charge a transparent, flat fee that's disclosed up front and doesn't change based on the outcome. Tying an appraiser's fee to the size of the award can compromise the impartiality the process requires and expose the award to challenge — so we don't do it.

No. Appraisal decides how much a loss is worth, not whether it's covered. Coverage questions, policy interpretation, and bad-faith claims are legal matters. If your dispute is really about coverage, we'll tell you honestly — and that's usually a conversation for a licensed attorney.

Appraisal is generally worth considering when your insurer agrees the loss is covered but you disagree on the dollar amount — for example, the scope of roof or storm damage, repair pricing, or the cost to properly restore your home. A free consultation helps you decide whether it fits.

Not necessarily. Appraisal is designed to resolve value disputes without litigation. That said, if there are coverage disputes, deadlines, or bad-faith concerns tangled up with the value question, you may want an attorney — and we're happy to work alongside one.

Typically your declarations page and full policy, the insurer's estimate or valuation report, photos of the damage, and any correspondence with your carrier. We'll give you a simple checklist at the consultation.

The initial consultation is free. If we move forward, you pay a disclosed flat fee — quoted up front at your consultation and the same regardless of the outcome. See Pricing for details.

Yes — the signed award is binding as to the amount of loss. Your carrier then applies your policy terms (deductible, any prior payments, and depreciation where the policy allows) and issues payment accordingly.

We serve homeowners across Texas. Because the real work happens in the field, we come to you — reach out to confirm scheduling in your area.