SERVICES
INSURANCE CLAIMS APPRAISAL
We provide professional appraisal services to evaluate and negotiate property insurance claims, ensuring fair settlements for our clients.
MEDIATION
Our mediation services facilitate negotiations between policyholders and insurance companies, aiming to resolve claim disputes effectively and efficiently.
LOSS CONSULTING
With our expertise, we offer loss consulting to assess property damages and determine the accurate value of losses covered by insurance policies.
UMPIRE SERVICE
As impartial umpires, we make fair and unbiased decisions in unresolved insurance claim disputes, providing a swift resolution for all parties involved.
ADDITIONAL SERVICES
We also provide advisory services related to insurance claims, ensuring that our clients are well-informed and supported throughout the claims process.
CLIENT ADVOCACY
Our team advocates for our clients' best interests, guiding them through the complexities of insurance claims and ensuring fair treatment.
ABOUT US
Resolving Insurance Claim Disputes with Expertise & Integrity
At Inlet Consultants, we assist property owners in navigating insurance claim disputes with professionalism and impartiality. With over 20 years of experience working for insureds and insurance carriers, we have helped thousands of clients reach fair resolutions through the insurance appraisal process.
Operating primarily along the Gulf Coast in Alabama, Florida, and Mississippi, we also handle large-loss claims nationwide. If you’re facing a settlement dispute or need a second opinion on your claim, our expertise ensures a thorough and well-supported assessment of your loss.
Our appraisal services expertly assess damage from all perils including Fire or Lightning, Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles, Smoke, Vandalism or Malicious Mischief, Theft, Falling Objects, Weight of Ice, Snow, or Sleet, Accidental Discharge or Overflow of Water or Steam, Sudden and Accidental Tearing Apart, Cracking, Burning, or Bulging, Freezing, Sudden and Accidental Damage from Artificially Generated Electrical Current, and Volcanic Eruption, ensuring fair and accurate resolutions for disputed claims.
SERVICES
WHAT IS A CLAIM APPRAISAL?
An insurance claim appraisal is a formal process used to resolve disputes between policyholders and insurance companies over the value of a property damage claim. When the two parties cannot agree on the amount of loss or the cost to repair or replace damaged property, two impartial appraisers—or sometimes a panel including two appraisers and an umpire—are brought in to assess the situation.
The appraisers evaluate the damage, review evidence like photos and repair estimates, and determine a fair monetary value for the claim. If the two appraisers (one chosen by each side) cannot agree on a value, the umpire steps in as a neutral third party to make the final, decisive call. This binding decision helps settle the disagreement efficiently, avoiding lengthy legal battles and ensuring both sides reach a clear, equitable resolution. At Inlet Consultants, our 20 years of experience as insurance claims experts bring clarity and fairness to this critical process.
How the Insurance Appraisal Process Works
Many property insurance policies include an appraisal clause, which allows either the policyholder or the insurance company to request a formal review of disputed claim values. When invoked, both sides select an independent insurance appraiser to evaluate the claim, review damages, and determine a fair settlement amount. If the appraisers cannot agree, a neutral umpire makes the final determination.
Why Choose Inlet Consultants?
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Objective & Unbiased Evaluations – We focus on facts, not opinions
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In-Depth Claim Review – Careful analysis of policy coverage and claim documents
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Comprehensive Damage Assessment – Independent evaluation of property loss
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Industry Expertise – Collaboration with engineers, contractors, and valuation specialists
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Efficient Dispute Resolution – A cost-effective alternative to litigation
Attorney, Appraiser, or Public Adjuster – Which is Right for Your Claim?
Property owners often wonder whether to hire an attorney, a public adjuster, or an insurance appraiser when faced with a claim dispute. Each option has its place, but the appraisal process often provides a structured and efficient path to resolution.
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Attorneys – While legal action can be necessary in some cases, litigation is often expensive and time-consuming. Attorneys focus on legal disputes but may not have hands-on experience in property loss assessments.
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Public Adjusters – These professionals negotiate with insurance companies on behalf of policyholders but are not always recognized in every state, including Alabama. Additionally, their fees are typically a percentage of the claim payout.
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Insurance Appraisers – A neutral, knowledgeable appraiser provides an independent assessment of your loss, offering a structured and binding process to resolve disputes without litigation.
A Practical Path to Fair Resolution
If your settlement offer seems too low or your claim has reached a standstill, the appraisal process may be the right solution. At Inlet Consultants, we work diligently to provide an objective and well-supported valuation to help resolve disputes efficiently and fairly.
Contact Us today to learn more about how the insurance appraisal process can help bring clarity and resolution to your claim.
FOUNDER
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BRETT NEZAT
APPRAISER | UMPIRE
LOSS CONSULTANT
CLAIMS EXPERT
CONTACT US
OUR LOCATION
Fairhope, Alabama, USA
Inlet Beach, Alabama, USA
Email: bnezat@inletconsultants.com
Tel: 251-202-3154
For inquiries, please complete the form below and we will get back to you as soon as possible.
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