Pre-Loss Assessment Services
When an insurance claim reaches a valuation dispute between the policyholder’s appraiser and the insurance company’s appraiser, a trusted neutral Umpire is required to deliver a fair, binding decision. This role demands technical construction knowledge, insurance expertise, and complete impartiality.
Beginning in 2025, Aviva Insurance Adjusters, Corp. expanded its services to offer professional Pre-Loss Assessments — a proactive protection plan for homeowners and businesses who want to secure strong documentation before they ever have to file a claim.
In a state like Florida, where hurricanes, storms, and water losses are common, the best time to prepare is before damage occurs.
A Pre-Loss Assessment documents the exact condition of your property, giving you airtight evidence and eliminating common insurer excuses such as:
❌ “This damage was pre-existing.”
❌ “You cannot prove what the property looked like before the loss.”
❌ “There is no documentation to support your claim.”
With Aviva, you’ll have a complete, timestamped, professional report that protects you from underpaid or denied claims.
🎓 Professional Certifications Behind Our Pre-Loss Assessments
You are not just documenting a property — you are applying top-tier industry expertise.
⭐ WIND Certified Appraiser & WIND Certified Umpire
Certification by the Windstorm Insurance Network, the gold standard for windstorm claim professionals. This means you are recognized for:
- Expert-level knowledge of wind and hurricane claims
- Neutrality, ethics, and professional conduct
- Advanced appraisal and umpire procedure training
- Proper evaluation of building envelope failures
⭐ IAUA Certified Appraiser & IAUA Certified Umpire
Credentialed by the Insurance Appraisal & Umpire Association, known for strict standards and an ethical code.
This confirms expertise in:
- Policy appraisal processes
- Appraiser–Umpire dispute resolution
- Accurate estimating and scope of loss
- Fair, documented, neutral evaluations
- Testimony-quality documentation
⭐ Best in Florida 2025 – Mediation Services
This award solidifies your reputation as a:
- Fair
- Professional
- Neutral
- Trusted evaluator
🔍 What Is a Pre-Loss Assessment?
A Pre-Loss Assessment is an in-depth, claim-ready evaluation of your property’s condition before a damaging event occurs.
It includes:
- Full interior & exterior inspection
- Photographs, videos, and digital records
- Roof, structure, and building envelope documentation
- Baseline moisture readings
- Mechanical system condition logs
- Estimate-level detail of current conditions
- Identification of vulnerabilities
- Policy review & risk summary
- Secure digital storage for future use
It becomes your proof of condition, providing immediate evidence if you ever need to file a claim.
🏠 Residential Pre-Loss Assessments
Ideal for Florida homeowners who want:
- Documentation before hurricane season
- Proof of roof, window, and structural condition
- Baseline data to counter insurer denial tactics
- Higher accuracy in future claim valuations
- Peace of mind knowing everything is recorded
You’ll receive forensic-level documentation equal to what adjusters use in litigation and appraisal cases.
🏢 Commercial Pre-Loss Assessments
Essential for:
- Apartment buildings
- HOAs & condo associations
- Offices
- Warehouses
- Industrial facilities
- Restaurants
- Retail stores
- Hotels & hospitality
- Property managers with large portfolios
Commercial clients rely on Pre-Loss Assessments to:
- Establish asset condition
- Prepare for large-loss scenarios
- Support business interruption planning
- Provide documentation for insurers, lenders, and legal counsel
🧰 What’s Included in the Pre-Loss Assessment
1. Exterior Inspection
- Roof coverings & flashings
- Siding, stucco, masonry
- Soffit, fascia, gutters
- Windows & doors
- Decks, patios, enclosures
2. Interior Inspection
- Ceiling, wall, and flooring conditions
- Bathrooms & kitchens
- Cabinets, fixtures, built-ins
- Attics, crawlspaces, mechanical rooms
3. Moisture & Thermal Baseline
- Metered moisture readings
- Optional infrared imaging
4. Mechanical & Utility Documentation
- HVAC units & air handlers
- Electrical panels
- Water heaters
- Plumbing locations
5. Digital Evidence File
- 100+ photos for most homes (more for commercial)
- Organized digital folders
- Timestamps and location notes
6. Pre-Loss Summary Report
A professional, claim-ready document designed to stand up to:
- Adjusters
- Engineers
- Mediators
- Appraisers
- Umpires
- Attorneys
🧠 Why Pre-Loss Assessments Matter More Than Ever
Insurance companies are increasing:
- Coverage limitations
- Water damage caps
- Roof age restrictions
- Denials for “wear and tear”
- Requirements for documentation
A Pre-Loss Assessment:
- Eliminates disputes about condition
- Strengthens future claims
- Helps with deductible decisions
- Supports underwriting & compliance
- Protects property owners from unfair denials
Schedule Your Pre-Loss Assessment Today
Protect your home or commercial property before the next storm — and secure the documentation you need before you need it.
✔ WIND Certified Appraiser & Umpire
✔ IAUA Certified Appraiser & Umpire
✔ Best in Florida 2025 award-winning mediator
✔ 18+ years of Florida claims expertise
✔ Residential & Commercial assessments
✔ Digital claim-ready file included
📞 Call 877-351-1933
🚀 Schedule Your Pre-Loss Assessment