Policyholder-side focus
We are not there to split the middle for the carrier. Our job is to advocate for the insured’s valuation position inside the appraisal process.
Insurance Appraisal & Umpire Services
Policyholder-side insurance appraisal for serious property claim disputes.
Charter Appraisal represents homeowners, commercial property owners, attorneys, and referral partners when the insurance company’s number does not fairly reflect the loss. We focus on amount-of-loss, scope, and valuation disputes—and negotiate on the insured’s behalf through the appraisal process.
- Hundreds of residential and commercial appraisals completed
- Millions added to insurer payments for policyholders
- Policyholder-side appraisal and umpire matters
- Amount-of-loss, scope, and valuation disputes
If the dispute is really about value, scope, or the amount of loss, Charter Appraisal’s job is to represent your side and push for a fairer result.
Why Charter Appraisal
The experienced appraisal pros at Charter have successfully completed hundreds of residential and commercial appraisals, increasing insurer payments by millions of dollars.
What we do
We represent policyholders in appraisal, evaluate the loss, support scope and pricing positions, and negotiate on the insured’s behalf when the carrier’s numbers fall short.
Residential pricing range
Residential insurance appraisal commonly ranges from $1,500 to $5,000, depending on inspection requirements, dispute complexity, and whether an umpire is needed.
Why Charter Appraisal
Built to represent the policyholder’s side in appraisal.
Charter Appraisal is focused on plaintiff-side / policyholder-side appraisal representation. When the carrier’s estimate, scope, or valuation does not fairly reflect the damage, our role is to step in on your side, evaluate the loss, and negotiate through the appraisal process with a disciplined claim-value approach.
The experienced appraisal pros at Charter have successfully completed hundreds of residential and commercial appraisals and helped increase insurer payments by millions of dollars.
Residential and commercial
Single-family, multifamily, and commercial property disputes all demand a tighter read on scope, pricing, and amount of loss.
Negotiation-driven process
Appraisal is not just paperwork. It is a structured process of evaluating the loss, supporting the number, and pushing the dispute toward resolution.
Need a fast read on whether your claim is a good appraisal candidate?
Residential insurance appraisal typically ranges from $1,500 to $5,000, depending on inspection requirements, complexity, and whether umpire involvement becomes necessary. Start with a review so we can see whether appraisal is the right next move.
Start here
What appraisal means in plain English
Appraisal is often invoked after a claim has already been filed and there is a disagreement about the value of the damage, the scope of repairs, or the total amount of loss. It is usually not the same thing as hiring a public adjuster at the beginning of a claim.
Amount-of-loss dispute
Appraisal is typically about valuation, pricing, scope, and totals after the carrier and policyholder disagree on what the loss is worth.
Structured process
Each side usually selects an appraiser, and an umpire may be used if the appraisers cannot fully agree.
Not the right fit for every claim
Some disputes are really coverage, causation, policy-language, or legal fights. Those require a different strategy.
How it works
Appraisal can force a real valuation fight when the carrier's number is too low.
When the dispute is over scope, pricing, or amount of loss, Charter Appraisal steps in on the policyholder's side and pushes the valuation fight forward through the appraisal process.
See the ProcessClaim dispute stage
- Claim already exists
- Coverage may be acknowledged
- Value is disputed
Charter Appraisal role
- Explain the appraisal option
- Review whether appraisal fits
- Guide direct service or next-step routing
Who this is built for
Built for policyholders and professionals dealing with real valuation disputes.
Built for homeowners, commercial property owners, attorneys, contractors, and referral partners facing a real fight over amount of loss, scope, or pricing.
HomeownersCommercial property ownersMultifamily ownersAttorneysContractorsProperty managersReferral partnersAmount-of-loss disputes
Explore the site
A focused brand for appraisal, umpire, and valuation disputes.
See how appraisal works, when it applies, how it differs from broader claim representation, and when to request a policyholder-side appraisal review.
How Appraisal Works
Step-by-step explanation of the process from disagreement to award.
Open pageWhen Appraisal Makes Sense
See when a dispute belongs in appraisal—and when it needs a different strategy.
Open pageAppraisal vs Public Adjusting
See the difference between a narrow amount-of-loss fight and broader claim representation.
Open pageState Appraisal Rules
Cautious, compliance-aware page explaining that availability depends on state rules and engagement type.
Open pageRequest an Appraisal Review
Lead form tuned for appraisal, dispute status, and policy/claim context.
Open pageClaim Help
If the dispute goes beyond amount of loss, Charter Claims handles broader claim representation.
See claim helpNeed to know whether your dispute belongs in appraisal?
Start with an appraisal-focused review instead of wasting time in the wrong lane.