Once coverage is confirmed and the dispute is limited to the amount of loss, Calibrated Insurance Services steps in to independently evaluate and establish that amount. We do not determine coverage, cause of loss, or liability. Those remain with your carrier’s claims team.

Our function is to deliver a clear, supportable valuation based on inspection findings, documentation, and professional experience.

You handle the coverage — we handle the numbers.

Here’s what we provide on every assignment:

• Efficient Communication: Proactive updates at key milestones — assignment, inspection, and award.
• Professional Representation: Courteous, respectful communication with the insured’s appraiser (and the umpire, if appointed). We may speak with the insured during inspections as needed for access or factual clarification, but formal communications run appraiser-to-appraiser.
• Reduced Administrative Load: We manage valuation and negotiation details so you can focus on core claim work.
• Audit-Ready Documentation: Reports formatted to your carrier’s standards.
• Timely Resolution: We keep the process moving and deliver results that stand up to scrutiny.

Our team acts as an extension of your claims operation, ensuring your files progress smoothly toward closure.

We regularly receive questions from Desk Adjusters new to the appraisal process.

Here are clear answers to the most common ones:

• Do you determine coverage or cause?
  No. We determine the amount of loss only.
• Do you contact the insured directly?
  Our communication is primarily appraiser-to-appraiser. We may speak with the insured during inspections when necessary (e.g., access, room identification, or timing), but formal correspondence is directed to the insured’s appraiser and, when applicable, the umpire.
• Do you need our internal estimate or photos?
  Yes. Please include both — they provide essential context and help isolate the dispute. We still perform an independent, supportable valuation.
• What’s the typical turnaround time?
  It varies by claim complexity, but we maintain active communication throughout every phase.

The more complete the initial assignment package, the faster and more efficiently we can deliver.

Please include:

• Signed appraisal demand or appraisal clause letter Carrier’s estimate (if available).
• Any contractor, public adjuster (PA), or demand estimates Photos, expert reports, or correspondence relevant to valuation.
• Summary sheet with loss and claim details.

This information ensures we can begin work immediately with full alignment to your carrier’s procedures.

At Calibrated Insurance Services, property insurance appraisals are our specialty.

Our experienced appraisers conduct valuations independently and impartially, within the scope of the policy and the appraisal clause.

We emphasize:

• Accuracy – every valuation is evidence-based, scope-driven, and defensible.
• Professionalism – communication remains courteous, transparent, and appropriate to the appraisal forum.
• Efficiency – we keep the appraisal moving without compromising neutrality or quality.

Our process is designed to produce a fair, well-documented, and timely determination of the amount of loss.

We do not advocate outcomes for either party; we focus on clear methodology, complete documentation, and a result that stands on its own.