Texas Insurance Appraisal
When you and your carrier can't agree on how much a property damage claim is worth, the appraisal clause in your policy gives you a way to settle it. Texas Claim Services represents homeowners and businesses in that process, statewide.
Free Expert Evaluation
Send us what you have. We'll tell you where your claim was underpaid and whether appraisal makes sense.
- The insurance company's estimate
- Photos of the damage
- Contractor bids or invoices
- Your policy's appraisal clause
When the number is wrong, appraisal is how you fix it.
Insurance appraisal is a formal process for resolving disputes over the amount of a covered loss. Each side names an appraiser, and the umpire makes the final decision in the case of an impasse.
- The insurance company agrees the damage is covered, but the payout is too low
- Their estimate is missing line items, uses low pricing, or ignores code and matching
- Your contractor's bid is far higher than the carrier's number
- Your supplement was denied or ignored
- You've gone back and forth for weeks and nothing is moving
A clear process, start to finish.
You'll know where your claim stands at every step.
Free expert evaluation
Send us the carrier's estimate, your photos, and any contractor bids. We'll tell you honestly whether appraisal is worth it.
Invoke appraisal
You demand appraisal in writing under your policy and name us as your appraiser. The insurance company names theirs.
Estimate & negotiate
We inspect the property, build a detailed line-item estimate, and work through the differences with the carrier's appraiser.
Award
If the appraisers agree, an award is signed. If not, an umpire decides. An award signed by any two of the three sets the amount of loss.
The claims we handle.
Residential and commercial property claims across Texas.
Hail & wind
Roofs, siding, gutters, windows, and HVAC units. Partial-roof approvals and missing line items are the most common disputes we see.
Hurricanes & tropical storms
Wind damage and the water intrusion that follows along the Gulf Coast and inland.
Fire & smoke
Structural repairs, smoke and soot cleaning, contents, and code upgrades. Large losses where accurate scoping matters most.
Water & plumbing
Burst pipes, slab leaks, and appliance failures, including drying, tear-out, and mold remediation.
Winter freeze
Frozen and burst pipes, ice damage, and fallen trees from Texas winter storms.
Commercial property
Retail, office, multifamily, and industrial buildings, where small pricing gaps turn into big dollar differences.
We know how carrier estimates are built, and where they come up short.
Our background is in estimating, adjusting, and construction. We read an insurance estimate the way the carrier's team wrote it, so we know where to look for what's missing.
Detailed estimates
Line-item scopes with measurements, photos, and current local pricing, not guesswork.
Nothing overlooked
Code items, matching, overhead & profit, and hidden damage that first estimates tend to miss.
Built for appraisal
We document every item so it holds up with the carrier's appraiser and, if needed, the umpire.
Honest advice
If appraisal isn't the right move for your claim, we'll tell you up front.
Serving all of Texas.
We handle claims statewide, including these major metro areas.
Don't see your city? We work claims anywhere in Texas. Get in touch.
Common questions.
What is an insurance appraisal?
Most Texas property policies include an appraisal clause. When you and your insurance company agree the damage is covered but disagree on how much it's worth, either side can demand appraisal in writing. Each side names its own appraiser. If the two appraisers can't agree, an umpire decides. An award signed by any two of the three sets the amount of loss.
Can appraisal help if my claim was denied?
Appraisal does not handle coverage-related issues. It only decides the amount of a covered loss.
Can I invoke appraisal after I've already been paid?
In many cases, yes. Appraisal is commonly invoked after a partial payment you disagree with. The exact requirements are in your policy, and we'll review them with you.
How long does appraisal take?
It varies with the size of the claim and how quickly the other side responds. Many claims resolve within a few months.
How much does it cost?
Every claim is different, so we don't list fees on our website. Under most policies, each side pays its own appraiser and the umpire's cost is split. We'll explain everything during your free evaluation before you commit to anything.
Let's look at your claim.
Send us the basics and we'll get back to you. If you have the carrier's estimate handy, mention it. It's the first thing we'll want to review.
Call or text210-239-3769 Emailadmin@texasclaimservices.com