Texas Insurance Appraisal & Umpire Services

When you and your insurance company disagree about the amount of a property loss, the appraisal clause in your policy gives you a way to resolve it without a lawsuit. We serve as appraisers and umpires for property insurance disputes across Texas.

Got an appraisal demand letter? Start here Call (956) 433-2574

Received a demand letter? The clock to name your appraiser may already be running.

Tell us about your claim

Send the basics and we will call you back. Nothing here obligates you to anything.

What Insurance Appraisal Is

Most property insurance policies in Texas contain an appraisal clause: a built-in way to settle disagreements about the AMOUNT of a loss without a lawsuit. Either side can invoke it. Your carrier can invoke it on you, and you can invoke it on your carrier. Each side names an appraiser, the appraisers pick an umpire, and when two of the three agree on a number, that number is binding.

Read the full plain-language guide

What We Do

Policyholder Appraiser

We serve as your named appraiser when you invoke appraisal or when your carrier does. The job is an honest, defensible valuation of your loss, documented to insurance industry standards.

Carrier Appraiser

We accept appraisal assignments from carriers and independent adjusting firms that need experienced, credentialed appraisers on the ground in Texas.

Umpire

When both appraisers agree to it, or a court appoints one, we serve as umpire and issue the deciding award.

All loss types, residential and commercial: wind and hail, water, fire, tornado, and hurricane.

Credentials & Experience

Nearly 9 years of claims adjusting experience as a Texas licensed All-Lines adjuster, covering wind, hail, hurricane, fire, and water losses
8 years of insurance appraisal experience, including hurricane and tornado appraisals
Appraiser hired by carriers, and brought in by attorneys, public adjusters, contractors, and insureds
General contracting background across residential and commercial construction
Large-loss experience on residential and commercial claims, up to and including hurricane and tornado catastrophes
TX Plan Appraiser certification
Serving all of Texas

Service Area

Serving all of Texas from our home base in the Rio Grande Valley: Brownsville, McAllen, Harlingen, Edinburg, Mission, Pharr, and South Padre Island, plus Corpus Christi, Laredo, the Gulf Coast, Houston, San Antonio, Austin, and Dallas-Fort Worth. Statewide travel available.

How It Starts

You call or email. No cost to talk.

We talk through the letter, the carrier's estimate, and what you have documented, and we give you a straight answer on whether appraisal helps your situation.

If appraisal fits your situation, you name your appraiser in writing and we take it from there.

Talk It Through Before the Deadline Passes

The first conversation costs nothing. If appraisal is not the right fit for your situation, we will tell you.

Call (956) 433-2574 Email info@lsappraisers.com