Have your claim negotiations stalled, been delayed, or resulted in an underpayment?
When a dispute over scope or pricing exists, the appraisal process can be a faster, lower‑cost way to resolve your claim.
Providing you with personalized insurance claim solutions. Whether it is through the Appraisal Process, Estimating Damages, or Consulting.
Our Mission
We are committed to providing Colorado with an alternative and cost-effective way to resolve insurance property disputes over the amount paid, or scope of the damage.
Our Expertise
With over 40 years of experience in the insurance industry, we have the knowledge and skills to properly inspect, investigate, and present your claim. Let us guide you Through the Insurance Appraisal Process.
Our appraisal services
HAIL DAMAGE
If not inspected properly there will be damage overlooked, damage not documented properly, or discrepancies between the adjuster and contractor in determining what is damaged and what is not. Other concerns such as insulation, and windows not sealing properly, can lead to further damage.
FIRE DAMAGE
Assessing fire damage to your home or business is a meticulous process with multiple steps. We understand exactly what the process involves. Most importantly a proper inspection, and documentation of the loss. We will conduct accurate assessments of the water, soot, smoke, and heat damage that has affected each area.
STORM DAMAGE
Unfortunately, high wind and tornado damage can go beyond what you first see. Major roofing or window damage can lead to water entering your building, impacting your flooring, sheetrock, wiring, or insulation, and more. These items are often overlooked in the initial inspection.
WATER DAMAGE
Water damage can be very complicated in the fact that damage can be hidden if not inspected properly. If you believe the settlement of your claim is insufficient to cover the cost of repairs or issues with the scope of damage. Appraisal may be the answer to that problem.
CONSULTING
With over 40 years of insurance claim experience, we understand how, confusing, frustrating, and fearful dealing with a disaster to your home or business can be. We want to offer you a free consultation, where we can share our experiences, and offer our opinions based on our many years of dealing with insurance property claims.
Two Distinct Paths to Resolve a Property Damage Claim Dispute
When a property damage claim is delayed, denied, or underpaid, the next step depends on the type of dispute you are facing.
Colorado Claim Appraisers and Disaster Adjusting are sister companies offering two different claim resolution services. While they work within the same industry, their roles are separate and clearly defined. One provides independent, unbiased appraisal services. The other provides representation-based Public Adjusting advocacy. Understanding the difference helps you choose the most effective path for your specific situation.
Colorado Claim Appraisers
Independent Appraisal & Umpiring Services
Colorado Claim Appraisers provides independent claim appraisal and umpiring services when there is a disagreement over the value or scope of damage.
Appraisal is a policy-based process. When invoked under the appraisal clause, it removes adjuster and carrier involvement from the valuation decision and replaces it with an independent, unbiased evaluation of the amount of loss.
This process:
- Is used when the dispute is about value or scope of damage
- Does not involve policy interpretation disputes
- Does not involve representation or negotiation
- Focuses strictly on determining an accurate amount of loss
Appraisal is often faster and less expensive than litigation and can be an effective resolution tool when available under the policy.
Colorado Claim Appraisers does not advocate for either side. The role is to provide an independent, unbiased valuation through the structured appraisal process.
Not sure if your claim qualifies for appraisal? If you have an offer from your insurance company that seems too low, we can help you determine if the appraisal is right for you.
Disaster Adjusting
Public Adjusting & Policyholder Representation
Disaster Adjusting is a licensed Public Adjusting firm providing representation-based services for policyholders.
Public Adjusting is different from appraisal. It is a comprehensive claim advocacy process where the Public Adjuster works directly for the insured to:
- Document the full scope of loss
- Interpret policy provisions
- Present the claim
- Negotiate directly with the insurance carrier
- Pursue an increased settlement
Public Adjusting is often appropriate when a claim has been:
- Delayed
- Denied
- Underpaid
- Disputed due to policy interpretation issues
How the Sister-Company Structure Benefits You
Because Colorado Claim Appraisers and Disaster Adjusting operate as sister companies, you receive clear guidance on which service is appropriate — without being locked into a single approach.
When you contact our team, we briefly review:
- The current status of your claim
- The nature of the dispute
- Whether the disagreement is about value, scope, or policy interpretation
If the issue is strictly about the amount of loss, appraisal may be appropriate.
If the dispute involves broader strategy, documentation, or negotiation needs, Public Adjusting may be the better fit.
With over 45 years of combined insurance industry experience, we provide straightforward, experience-based guidance so you understand your options before deciding how to proceed.
Which Option Is Right for Your Claim?
Here is a simple comparison:
Choose Appraisal if:
- The dispute is about value or scope only
- The policy contains an appraisal clause
- You want an independent, unbiased amount of loss determined
Choose Public Adjusting if:
- The claim has been delayed, denied, or underpaid
- There are disputes involving policy language
- You need representation and negotiation support
Each process serves a different function. Choosing the correct one depends on your specific claim circumstances.
Frequently Asked Questions
If you have any further questions
Please reach out to us for a Free Consultation
What is the appraisal clause?
The appraisal clause in a property insurance policy allows the policyholder to demand an appraisal of the loss when there is a disagreement or impasse in the scope or cost of the damage. Each party selects a competent and impartial appraiser (paid by that party) to separately evaluate the amount of the loss at issue. A neutral umpire is also selected — this umpire will determine the correct amount of the loss if the two impartial appraisers cannot agree. The cost of the umpire is split between both parties. The purpose of the Insurance Claim Appraisal process is to offer both parties to the insurance contract a less expensive and more expedient alternative to going to court to reach a settlement.
How much will this cost?
An insurance appraisal can be a valuable tool when policyholders and their insurers disagree on the value of a claim. This tool can help determine the amount of damage to the property because appraisers for both sides will perform a thorough investigation to help come to a final decision. However, these services are not free of charge, and, generally, each party involved must hire and pay the costs of their appraiser, while splitting the cost of the umpire "if those services are needed". To keep the process unbiased, the fees should be hourly or a set fee.
The total cost will depend on the type, size, extent of damage, and differences or gaps in the settlement between the insurer and the insured.
PROUD MEMBER OF IAUA
Proud member of the Independent Adjusters & Umpires Association (IAUA), an organization dedicated to advancing professionalism, ethical standards, and continuing education for insurance adjusters, appraisers, umpires, and other property insurance professionals.
We Proudly Support Veterans & Military Families
As a small way of saying thank you for your service, Colorado Claim Appraisers offers a discount for active-duty military, veterans, and their families. Mention your military service when scheduling your consultation.
Contact Us
Schedule a Free Asessment
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Fill out the form with any questions you have about our services
Colorado Claim Appraisers
6660 Delmonico Dr Ste 457
Colorado Springs CO 80919
United States
Hours
| Mon | 08:00 am – 06:00 pm |
| Tue | 08:00 am – 06:00 pm |
| Wed | 08:00 am – 06:00 pm |
| Thu | 08:00 am – 06:00 pm |
| Fri | 08:00 am – 06:00 pm |
| Sat | By Appointment |
| Sun | Closed |
We are available 24/7 for emergencies only.