After Independent Appraisal
$173,600
Documented replacement value. Full roof, code compliance, matching.
$37,400
Average additional recovery per disputed claim
The Second Opinion Insurers Can't Ignore.
Licensed independent property appraisals that document what your claim is really worth.
Get My Free Claim Review
State-licensed
Evidence over emotion
Never out of pocket
37yrs
on-site claim experience
You get one number. We get you the right one.
Behind every valuation is a working, licensed appraiser, on the roof, in the crawlspace, reading the fine print your carrier hopes you'll skip. We build the file with photos, measurements, and code citations, not adjectives. The insurer answers to documentation, and documentation is what we deliver.
State licensed · IICRC-certified · 37 years / 8,900+ property claims reviewed.
The same damage. Two very different numbers.
Where the carrier's estimate stopped, and where a documented appraisal landed.
Carrier's Initial Estimate
$41,000
Roof partial. No code upgrades. No matching allowance.
+$132,600 recovered
Willis, 2020.
Three steps. Your policy already gives you the leverage.
Most policies already contain an appraisal clause you can invoke. We know exactly how to use it.
1
Free claim review
We read your policy and the carrier's estimate line by line, and tell you plainly whether there's money left on the table.
2
Formal appraisal & demand
We invoke your policy's appraisal clause and submit a documented valuation, photos, measurements, code citations, matching costs.
3
Resolution
The insurer pays the corrected amount. The evidence does the arguing, so the outcome isn't up for debate.
83%
of reviewed claims recovered more than the carrier's initial offer
8,900+
property claims reviewed to date
120 days
average time to resolution
"Their appraisal added $19,000 to a claim my adjuster called final."
DR
Denise R.Homeowner · Aurora, CO
"Hartwell documented what my carrier ignored, paid in three weeks."
MT
Marco T.Property Manager · Kestrel Realty
No upfront cost. The claim review is free.
If we take your case, you pay a percentage of what we recover for you, never out of pocket. If there's nothing to recover, you owe nothing. Our incentive is your correct number, not a retainer.
Get My Free Claim ReviewMost policies require you to invoke the appraisal clause within a set window. Once it closes, that leverage is gone; don't let yours close.
Find out what your claim is really worth.
Send us the basics. We'll review your policy and the carrier's estimate, then tell you plainly whether there's money left to recover.
Free review · No obligation · Response within one business day.