Appraisal Services

Resolve Claim Disputes Through the Appraisal Process

When there is a disagreement over the value of a property damage claim, appraisal provides a structured and effective way to resolve the dispute without litigation. HP Adjustments serves as a disinterested appraiser, working to help reach a fair and supportable outcome based on the facts of the loss and the terms of the policy.

Request Appraisal Assistance

The Appraisal Process

What Is Appraisal?

Most property insurance policies include an appraisal provision that can be invoked when there is a dispute over the amount of loss.

STEP 01

Qualified Appraisers

Each party selects their own qualified appraiser to represent their valuation of the loss.

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STEP 02

Umpire Selection

The two appraisers jointly select an impartial umpire to help resolve any differences.

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STEP 03

Binding Decision

A decision is reached based on the presented scope and valuation, resolving the dispute.

How We Support the Process

Our Role in the Appraisal Process

We bring policy expertise, detailed scope preparation, and a collaborative mindset to every appraisal. Whether representing a public adjuster, policyholder, or attorney, our goal is a fair and supportable outcome.

Policy & Scope Review

We review policy language, endorsements, and the full scope of loss to establish a supportable baseline for valuation.

Detailed Estimate Preparation

We prepare defensible estimates using Xactimate and other industry-standard tools so our valuation holds up under scrutiny.

Joint Inspections

We participate in joint inspections with the opposing appraiser and umpire, ensuring damage is documented accurately.

Collaborative Resolution

Our approach prioritizes resolution over conflict. We work toward outcomes both parties can reasonably accept.

Umpire Selection Support

When needed, we assist in the selection of a qualified, impartial umpire to help resolve disputes efficiently.

Appraisal Clients

Who We Work With

HP Adjustments serves as a disinterested appraiser for a wide range of parties facing disputed property insurance claims.

Public Adjusters

PA Firms Needing Appraisal Support

When negotiations stall or the carrier demands appraisal, we step in as a qualified, experienced appraiser to support your client's position.

Policyholders

Property Owners with Disputed Claims

If your insurer underpaid, denied, or lowballed your claim, appraisal is often the fastest path to a fair settlement — without litigation.

Legal

Attorneys Requiring a Qualified Appraiser

We provide credentialed appraisal services for pre-litigation and litigation matters where an independent, experienced appraiser is required.

Is Appraisal Right For You?

When to Consider Appraisal

Appraisal is a contractual right under most property insurance policies. If any of these apply to your claim, it is likely time to invoke it.

Disputes over scope or value of loss

Your estimate and the carrier's estimate differ significantly, and neither side is willing to move.

Underpaid estimates from the carrier

The insurance company's settlement offer falls well short of what it would actually cost to restore the property.

Stalled negotiations

Direct back-and-forth with the adjuster has stopped moving forward, and you need a structured, time-bound resolution.

Significant scope differences between parties

The carrier's scope of loss omits major damage items that you believe are covered under the policy.

The HP Difference

Why Choose HP Adjustments

Not every appraiser brings the same depth of experience. Here's what sets HP Adjustments apart in the appraisal process.

40+

Years of Combined Experience

Our team brings over four decades of combined property insurance and claims experience to every appraisal engagement.

Deep Policy Interpretation

We read policies the way they were written — not the way the carrier wants to interpret them. Coverage that exists gets used.

Dual Adjustment & Appraisal Background

Having worked claims from both sides, we understand exactly how carriers think — and how to counter their arguments effectively.

Objective, Independent Approach

As a disinterested appraiser, our sole obligation is to the facts of the loss and the terms of the policy. No bias. No shortcuts.

Ready to Get Your Claim Reviewed?

Contact us today for a free consultation. We evaluate your property damage and help you get what you are entitled to from your insurance company.

(386) 214-8563

Serving Daytona Beach, Orlando, Volusia County & Central Florida

HP Adjustments

Licensed Florida Public Adjusters serving Daytona Beach, Orlando, Volusia County, and Central Florida. We fight for policyholders, not insurance companies.

Daytona Beach, FL

Heather Pacheco, FL Lic. #W604295 | NC Lic. #19316345
HP Adjustments, LLC, Firm Lic. #G259997