services
Independent Property Insurance Appraisal & Umpire Services
Objective, evidence-based services designed to help resolve disputed residential and commercial property insurance claims throughout Texas and Oklahoma.
Insurance Appraisal
Our appraisal services provide independent, evidence-based evaluations for disputed residential and commercial property insurance claims. Every assignment includes a thorough inspection, detailed Xactimate estimate, and professionally supported appraisal position prepared by IAUA Certified Appraisers, Haag Certified Inspectors, and licensed adjusters.
Umpire Services
When appraisers cannot reach agreement, an impartial umpire helps resolve the remaining differences. True Scope provides fair, independent umpire services focused on reviewing the evidence, facilitating resolution, and bringing disputed claims to conclusion.
Complex Claim Consulting
True Scope Adjusting provides consulting and technical expertise for complex residential and commercial property insurance claims. Our team assists property owners, businesses, attorneys, and insurance professionals with large-loss claims involving fire, water, storm, and structural damage by evaluating scope, reviewing estimates, documenting damages, and providing strategic claim guidance throughout the recovery process. Whether serving as an independent appraiser, umpire, or consulting expert, we deliver objective analysis backed by real carrier-side experience.
Understanding Our Services
Learn when appraisal is appropriate, how our umpire services work, and what you can expect throughout the appraisal process.
When Is Appraisal Appropriate?
Property insurance appraisal is an effective method for resolving disputes when the policyholder and insurer agree that covered damage exists but disagree on the amount of loss. True Scope Adjusting provides independent appraisal services for residential and commercial property insurance claims throughout Texas and Oklahoma.
Residential & Commercial Claims We Handle
We serve as appraiser or umpire on residential and commercial property insurance disputes involving scope, pricing, code considerations, roofing systems, exterior and interior damages, and other contested issues arising during the appraisal process. Our experience across a wide range of claim types allows us to evaluate complex disputes with consistency, technical expertise, and objective analysis.
What Clients Can Expect
Every assignment begins with a comprehensive review of the claim and a detailed property inspection. We prepare an objective, evidence-based appraisal position while maintaining clear communication and professionalism throughout the appraisal process.
When Is an Umpire Needed?
When appointed appraisers cannot agree on the amount of loss, the appraisal process calls for the selection of an impartial umpire. The umpire reviews the disputed issues and helps bring the appraisal process to a fair resolution. This process provides an objective path toward resolving remaining differences without litigation.
Our Approach to Serving as an Umpire
True Scope Adjusting serves as an independent and impartial umpire, evaluating inspection findings, estimates, and supporting documentation to reach well-supported decisions based on the evidence and policy provisions. Every assignment is approached with professionalism, fairness, and a commitment to maintaining the integrity of the appraisal process.
Who Can Request an Appraisal?
Property insurance appraisal may be requested by either the policyholder or the insurance company when the policy provides for appraisal and the parties disagree on the amount of loss.
Does Appraisal Determine Coverage?
No. Appraisal determines the amount of loss, not whether coverage exists. Coverage decisions remain subject to the terms and conditions of the insurance policy.
Why Choose True Scope Adjusting?
Every assignment is handled by IAUA Certified Appraisers, Haag Certified Inspectors, and licensed adjusters with more than 40 years of combined insurance industry experience. We provide objective, evidence-based evaluations while serving residential and commercial property insurance claims throughout Texas and Oklahoma.