Insurance Appraisal Services
When a policyholder and their insurance company cannot agree on the amount of loss, the insurance policy’s Appraisal Clause gives both sides a fair, structured way to resolve the dispute — without a lawsuit.
At Aviva Insurance Adjusters, Corp., we offer professional, certified Appraisal Services for residential and commercial insurance claims. As a WIND Certified Appraiser and IAUA Certified Appraiser, we bring recognized expertise, neutrality, and advanced valuation skills to help resolve claim disputes accurately and efficiently.
⭐ Why Choose Aviva As Your Insurance Appraiser?
The Appraisal process is a formal dispute resolution method included in most homeowner and commercial insurance policies.It is used when the claim is accepted, but both sides disagree on:
✔ WIND Certified Appraiser (Windstorm Insurance Network)
One of the most respected designations in the industry — demonstrating expertise in windstorm and property damage evaluation.
✔ IAUA Certified Appraiser
Credentialed through the Insurance Appraisal & Umpire Association, ensuring strict standards, ethics, and best practices.
✔ Recognized “Best in Florida 2025 – Mediation Services”
This award underscores Aviva’s excellence in dispute resolution, fairness, and professionalism.
✔ 18+ Years of Claims & Construction Knowledge
Direct expertise in estimating, scope development, building code, and insurance policy interpretation.
✔ Experience With All Peril Types
Water, fire, smoke, mold (covered peril), hurricane, windstorm, surge, flood, theft, vandalism, and more.
✔ Respected Across the Industry
Trusted by attorneys, contractors, public adjusters, and property owners.
📘 What Is the Insurance Appraisal Process?
The Appraisal process is a formal dispute resolution method included in most homeowner and commercial insurance policies.It is used when the claim is accepted, but both sides disagree on:
- Scope of damage
- Cost of repairs
- Labor or material pricing
- What needs replacement versus repair
- Extent of structural, moisture, or collateral damage
🏛 The process works as follows:
Policyholder selects an Appraiser
Insurance company selects an Appraiser
Both Appraisers attempt to reach an agreement
If they disagree, both choose a neutral Umpire
Any two of the three signatures determine the binding amount of loss
Your role as Appraiser is to represent the policyholder (or attorney) with professionalism, accuracy, and evidence-based conclusions.
🔍 Your Appraiser Responsibilities
As a Certified Appraiser, you provide:
1.Full Damage Inspection & Documentation
You evaluate:
- Interior & exterior damage
- Roofing & envelope damage
- Water & moisture intrusion
- Fire, smoke & soot impact
- Structural and cosmetic damage
- Hidden or collateral damages
- Code upgrade requirements
2.Detailed Xactimate Estimates (Litigation-Ready)
You prepare:
- Line-item estimates
- Scope-of-loss breakdown
- Repair vs. replacement analysis
- Material & labor pricing support
- Matching & code requirement enforcement
3.Causation Analysis (If Needed)
You help establish:
- The triggering peril
- Whether the damage aligns with the reported event
- Whether exclusions are being misapplied
4.Negotiation & Collaboration With the Opposing Appraiser
You professionally:
- Discuss scope differences
- Review documentation
- Compare estimating methodologies
- Attempt to reach a fair agreement
5.Preparation for Umpire Review (if necessary)
If an impasse occurs, you:
- Organize evidence
- Prepare justifications
- Clarify disputed items
- Present a clear, neutral summary to the Umpire
🏢 Residential Appraisal Services
We serve all residential properties:
- Single-family homes
- Condos & townhomes
- Duplexes & multifamily units
- Luxury/custom homes
- Rental properties
- HOAs
Typical residential disputes include:
- Water damage
- Roof leaks
- Hurricane/wind claims
- Fire & smoke
- Mold from covered peril
- Pipe bursts
- Lightning/surge
- Vandalism/theft
🏢 Commercial Appraisal Services
Commercial claims require advanced skill and documentation.
We handle:
- Retail storefronts
- Restaurants
- Warehouses
- Manufacturing facilities
- Office buildings
- Hotels & hospitality
- Multi-unit residential
- Commercial roofing systems
Disputes often arise over:
- Structural damage
- Moisture penetration
- Building envelope failures
- Code upgrades
- Business interruption (if included in appraisal clause)
- Specialty equipment losses
- Large-loss estimates
🏆 Why Attorneys Choose Aviva as Appraiser
- Highly credible expert with dual certifications (WIND + IAUA)
- Professional, litigation-ready documentation
- Experienced working with legal teams
- Strong understanding of causation, policy language & estimating standards
- Neutral, evidence-driven approach
- Skilled communicator for negotiations
Schedule Appraisal Services Today
We provide fast turnaround, professional reports, and expert support for active litigation.
✔ Residential Appraisal
✔ Commercial Appraisal
✔ High-value or complex losses
✔ Florida-wide appointments
✔ Attorney-requested appraisals
✔ Pre-litigation and active litigation claims
📞 Call 877-351-1933
🚀 Request Appraiser Availability