Why we only do appraisal work
Many claim professionals do a little of everything. We chose one lane. Kentucky Insurance Appraiser works on the amount of loss — as your party appraiser, as a reviewer before a dispute escalates, or as a neutral umpire on panels where we represent neither side. Our process, tools and documentation standards are built around answering that one question well.
How a file moves through our hands
- Read first. Policy, declarations page, the carrier’s estimate and correspondence — before we form any opinion.
- Inspect and measure. Our own scope, photographed and measured, never a markup of someone else’s estimate.
- Price locally. Line items priced for the Kentucky market the property sits in.
- Explain the gap. A plain-English comparison of every difference with the carrier’s number.
- Carry it through. Work with the other appraiser and, if needed, present to the umpire.
Who calls us
Homeowners and condo owners, landlords, HOA boards, property managers, churches, business owners, farm and equine operations, contractors, public adjusters and attorneys across Kentucky. On any one claim we serve in one role only, and we disclose prior relationships with the other appraiser or the umpire.
What we are not
We aren’t a law firm and we don’t give legal advice. We don’t act as public adjusters or negotiate claims outside appraisal. We don’t promise results — no honest appraiser can. Coverage disputes and bad-faith questions go to a Kentucky attorney; consumer complaints about an insurer go to the Kentucky Department of Insurance.
Statewide on purpose
Kentucky’s weather changes fast across 400 miles: tornadoes in the Purchase, karst sinkholes around Bowling Green, ice storms in the Bluegrass, flash floods in the eastern hollows. Working statewide means we see every kind of loss the state produces and price each one with local knowledge.