Is the estimate or payment too low?
You believe the insurer's estimate does not reflect the full amount of damage.
Property insurance appraisal services
Your insurance claim is stuck. Appraisal may be the next step.
When you and your insurer disagree about the amount of a property loss, the appraisal provision in your policy may offer a path forward.
Is appraisal a possible fit?
Start with three questions.
Appraisal is commonly used for disputes about the value or amount of a covered loss—not to decide whether a loss is covered.
Is the dispute about the amount?
The central disagreement concerns the scope, price, or value of the property loss.
Does your policy include appraisal?
Many property policies contain an appraisal provision describing the process.
If you answered yes to all three, it may be worth having your claim and policy reviewed.
Appraisal under the policy
A focused process for an amount-of-loss dispute.
01
Each side selects an appraiser.
The policyholder and insurer choose their respective appraisers.
02
The loss is evaluated.
The appraisers review the property, documentation, scope, and pricing.
03
An umpire may become involved.
If the appraisers cannot agree, the policy's umpire process may be used.
Appraisal provisions vary by policy and jurisdiction. Appraisal is not a substitute for legal advice and generally does not determine coverage.
Local focus
Portland + Vancouver. Property appraisal close to home.
Invoke Appraisal Now focuses on homeowners in the Portland–Vancouver area. Local service means practical knowledge of the region, straightforward communication, and on-site attention without bringing an appraiser in from hundreds of miles away.
Free homeowner guide
Before You Invoke Appraisal
Get a plain-language overview of the questions to ask, documents to gather, and details to review before moving forward.
Meet Corey Locke
Clear guidance. Local attention. A focused appraisal process.
Corey Locke helps Portland and Vancouver homeowners understand the appraisal process and evaluate whether it may fit an amount-of-loss dispute. The approach is direct and practical: review the policy language, understand the disagreement, and determine a sensible next step.
37+ years in the insurance industry, with credentials including AIC, CPAU, IICRC Triple Master, and IAUA-certified appraiser and umpire. Licensed public adjuster in Oregon, Washington, and California. Also BOCAA-certified for auto appraisal.
Not sure whether appraisal fits your claim?
Request an initial appraisal review. Share the basics of your property claim, and we'll help you identify the next useful question.
coreylockepa@icloud.com · coreylocke1@outlook.com · 559-709-3669