Residential Appraisal
Underpaid hail, wind, water, or fire claim? We fight for the full value of your loss.
Licensed in Texas, Oklahoma, and Colorado
Texas Insurance Appraisal Experts
When your insurance company won't pay what your claim is worth, the appraisal clause is your most powerful tool. We invoke it for you.
Our Appraisal Services
We represent policyholders through the insurance appraisal process, faster and cheaper than litigation.
Commercial Appraisal
Large loss disputes handled by experienced appraisers across TX, OK, and CO.
Umpire Services
We serve as neutral umpires for appraisal panels, licensed, experienced, and fair.
How the Appraisal Process Works
A structured, binding process that helps resolve valuation disputes without dragging your claim through years of litigation.
1
Free Review
We evaluate your claim and policy at no cost.
2
Invoke the Clause
We formally demand appraisal on your behalf.
3
Independent Inspection
Thorough documentation of your loss.
4
Appraisal Panel
Both sides present to a neutral umpire.
5
Binding Award
Resolved in 30 to 60 days, no court required.
What Our Clients Say
Real feedback from property owners who needed help getting their insurance claims taken seriously.
★★★★★
“Great experience dealing with Ryan! He was able to convince my stubborn insurance company to pay for interior water damage due to roof damage from a hail storm. Highly recommend!”
Dale Kapinus★★★★★
“Ryan worked with the insurance adjuster to get us additional money for the roof and the fence. He took the hassle out of working with the insurance company.”
Paige Le★★★★★
“Professional, on time, an expert, and helped me deal with the insurance company that didn't want to pay anything. I couldn't recommend them more.”
Cayce StoneLicensed & Verified
Professional appraisal and public adjusting support across multiple states.
Texas
TX #1921679
Licensed Public Adjuster & Appraiser
Oklahoma
OK #3000772279
Licensed Public Adjuster & Appraiser
Colorado
CO #906301
Licensed Public Adjuster & Appraiser
Frequently Asked Questions
Straight answers about how insurance appraisal works and when it makes sense to use it.
What is the insurance appraisal clause?
The appraisal clause is a provision in most homeowner and commercial insurance policies that allows disputes over claim value to be resolved outside of court. When you and your insurer disagree on the amount of loss, either party can invoke the clause to trigger a binding appraisal process.
How is appraisal different from hiring a public adjuster?
Public adjusting involves negotiating your claim directly with the insurer. Appraisal is a formal dispute resolution process, typically used when negotiations have stalled or broken down. First Call handles both.
How long does insurance appraisal take?
Most appraisals resolve within 30 to 60 days from invocation. It's significantly faster than litigation, which can take years.
Do I pay anything upfront?
No. We work on a contingency basis, you pay nothing upfront and nothing out of pocket. We only get paid when you do.
My claim was denied, can appraisal help?
Appraisal applies to disputes over value, not coverage denials. If your claim was denied, we'll review your policy and determine the best path forward, which may include reopening the claim before invoking appraisal.
Get Your Free Claim Review
Tell us about your claim. No upfront fees. No obligation.