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Insurance Appraisal and Mediation
When you and your insurance company agree the damage is covered but not on how much, appraisal or mediation can settle it. We handle either one for you.
How appraisal works
Most property policies have an appraisal clause. It settles the amount of loss without a lawsuit.
Our licensed public adjusters handle appraisal and mediation for you.
Stuart Hymson
Public Adjuster
Michael Zebold
Public Adjuster
Micaela Villa
Public Adjuster
Alex Barquero
Public Adjuster
Arthur Camayd
Public Adjuster
Tony Azcue
Public Adjuster
Frank Nunez
Public Adjuster
How the appraisal clause works
Appraisal is a way to settle a dispute over the amount of loss without going to court. Here’s how it usually runs under a property policy.
One side demands it in writing. We send the demand for you.
Each side picks an appraiser. Each one must be competent and impartial. We help you pick yours.
The appraisers pick an umpire. If they can’t agree on one, a judge can appoint the umpire.
Any two agree, and that sets the amount. The appraisers value the loss, and the umpire decides where they differ.
Appraisal decides how much, not whether it’s covered. It runs on evidence, and we build yours.
How mediation works
Mediation puts you, the insurance company and a neutral mediator at one table to try to settle. We prepare your claim and sit at that table with you.
Nothing is decided unless both sides agree. That’s the big difference from appraisal.
Fighting for the policyholder
Blueprint Claims has settled over half a billion dollars in commercial and residential claims with 15 years in business. Don’t settle for less, get the money you deserve. Fight for your claim!
Private Equity Firm
Apartment complex
Residential Homeowner
Cast iron pipe claim
Residential Homeowner
Large fire loss
Property Management
Condominium community
We handle it from start to finish
Appraisal and mediation both come down to the proof behind your number. That’s the work we do.
A line-by-line estimate in Xactimate, the estimating software most insurance companies use
Photos, measurements and, when the claim needs them, expert reports
A clear record of what the insurer paid and what it left out
The right path for your claim: negotiation, appraisal, mediation or a property damage attorney
Need a neutral umpire?
Appraisers for insurance companies and for policyholders choose Arthur Camayd, SPPA, as a neutral umpire when an appraisal needs a decision. He’s a senior public adjuster with a degree in architecture and the IAUA umpire and appraiser certification.
Call us before you invoke appraisal. We’ll handle it for you.
The contractor's edge
Arthur Camayd, partner, is a licensed public adjuster with the SPPA designation, a licensed general contractor, and holds a degree in architecture.
We know how buildings are designed, how they are built, and how to spot the damage most people miss. On complex claims like fires with structural damage or hidden issues, that construction insight and policy knowledge lets us build a stronger claim and challenge a low offer with real authority.
Licensed general contractor
Degree in architecture
SPPA public adjuster
We don’t just estimate. We advocate.
How we handle your claim
Four steps, from the first call to the settlement check.
Free claim consultation
Tell us about your claim. We’re here to help.
Free property inspection
Leaving no stone unturned, we focus on the details.
We estimate & appraise
Don’t worry about having to gather various repair bids on your own.
We negotiate & settle
We don’t get paid unless you get paid.
What to know before you invoke appraisal
Waiting to see what the insurance company does is how good claims run out of time.
Their appraiser will have a number
The insurance company’s appraiser comes in with their estimate. If yours isn’t detailed and backed by evidence, the award can land closer to theirs. Call us before you invoke appraisal.
A denial isn't the last word
Insurance companies often deny claims as wear and tear, old damage or not covered. That letter is their side of the story, not the final word. The right proof can change it, but the window to act is short. Call us before you take no for an answer.
The clock is already running
We hear it all the time. You know the check is too low, so you call the adjuster one more time and wait. Then months go by, and the deadlines in your policy keep running. Call now, while you still have options.
Don’t wait to see what they do. Call today and let a licensed public adjuster review your options while you still have them. Your policy review is free.
Types of claims we handle
General information, not legal advice.
Why hire your own public adjuster?
Every claim already has an adjuster. The insurance company’s adjuster works for the insurance company. A public adjuster works for you.
A guide through the entire claim process.
Help you understand your rights under the policy.
Navigating through policy endorsements and exclusions.
Document your damages in detail.
Estimating & valuing the TRUE cost of your loss.
Collaboration with experts to support your claim.
Negotiating & settling your claim.
Working with contractors to get you back to pre-loss condition.
Hiring your own adjuster pays for itself.
See what our clients are saying
“Blueprint Claims did an excellent job. They are the ultimate professionals. After my initial meeting with Alex, he took care of everything.”
D K
“Impeccable work and very effective, from first inspection review to the last step”
Margarita Gomez
“Frank Nunez was extremely helpful in getting my claim overturned from a complete denial to a fully paid for roof.”
Ben Justice
“Frank worked for us, not the insurance company, and kept us informed along the way, which was also very helpful.”
Tom Maides
Questions about appraisal and mediation
Answers to the questions policyholders ask us most.
What is the appraisal clause in an insurance policy?
It's a section of most property policies that lets you or the insurance company settle a disagreement over the amount of loss without a lawsuit. Each side picks an appraiser, the appraisers pick an umpire, and an award agreed to by any two sets the amount. Let us handle the demand.
When should I invoke appraisal?
When the insurance company agrees the damage is covered but you disagree on the amount. Appraisal settles how much, not whether something is covered. Call us first: a weak estimate makes for a weak appraisal.
Who pays for appraisal?
Under most policies, each side pays its own appraiser, and the two sides split the umpire's fee and other costs. We go over those costs with you before anyone demands appraisal.
What's the difference between appraisal and mediation?
In appraisal, the two appraisers and the umpire set the amount, and an award agreed to by any two decides it. In mediation, a neutral mediator helps you and the insurance company try to reach a settlement, and nothing is decided unless both sides agree. We pick the right one for your claim and handle it.
My claim was denied. Can a public adjuster still help?
Often, yes. A denial is the insurer's side of the story, not the final word. We read the letter against your policy, inspect the damage and build the proof to turn it around. Call us before you accept a denial.
Are you lawyers? Do I need a lawyer or a public adjuster?
No. We're licensed public adjusters, not a law firm, and we don't give legal advice. We document the damage, write the estimate and negotiate with your insurance company. If your claim needs a lawyer, we work together with experienced property damage attorneys, and they rely on the file we've built. Call us first, so that file is built right from the start.
Call and a licensed adjuster will go over your claim with you. The review is free.
Connect with one of our licensed adjusters for a free claim consultation
What happens after you send this
A licensed adjuster contacts you We talk through your claim and answer your questions. The consultation is free.
We review your policy and inspect the damage Also free, with no obligation to hire us.
You decide whether to hire us If you do, we build the claim and negotiate with the insurer.
Let's discuss your claim!
We don’t get paid unless you get paid.
