Property insurance appraisal · Colorado
When a property claim is stuck on the amount, appraisal settles it.
Most Colorado property policies include an appraisal clause. It lets the policyholder and the insurer each appoint an appraiser to determine the amount of the loss, without going to court. Heidmann and Associates serves as appraiser for policyholders and for carriers across the Western United States, and as umpire when the two appraisers cannot agree.
Appraisals@HeidmannAndAssociates.com · 770.906.4262
Who we work with
Appraisal comes to us from several directions
Homeowners
The carrier approved a repair where the roof needs replacement, or the payment is well short of every bid. The policy already provides a way to resolve a disagreement about amount.
Contractors
The supplement has been declined more than once and the project cannot move. Colorado law keeps contractors out of the appraiser's seat, so the file needs an independent appraiser.
Public adjusters and attorneys
An appraiser of record who is independent of the firm handling the claim, with an estimate and documentation that hold up.
HOA boards and property managers
Multi-building hail and wind claims where the difference between the estimates is large and the board needs it resolved on the record.
How it works
Appraisal decides the damage and what it costs, not the policy
In Colorado the appraisal panel determines the amount of the loss and, where it is in dispute, the cause of the damage. It does not interpret the policy or decide coverage. Two appraisers and an umpire take part, and an award signed by any two of them is binding.
Policyholder's appraiser
Chosen by the policyholder. Inspects the property and determines the amount of the loss.
Carrier's appraiser
Chosen by the insurer. Does the same from the carrier's side.
Umpire
Selected by the two appraisers. Decides only the items on which the appraisers do not agree.
Colorado requires party-appointed appraisers to be fair and competent. We work the same way whether a homeowner or a carrier appointed us. Read the full explanation.
Services
What we do
- Residential appraisalHail, wind, water, fire and smoke losses on houses, townhomes and detached structures.
- Commercial and HOA appraisalAssociations, multifamily, retail, office and light industrial property.
- Umpire servicesA neutral umpire, selected by the two appraisers, who decides the items they cannot agree on.
- Estimate reviewA written comparison of the carrier's estimate and the contractor's before appraisal is invoked.
Serving the Western United States.
Request an appraisal
Send the carrier's estimate and the contractor's to Appraisals@HeidmannAndAssociates.com, or use the request form. We reply within one business day.