Appleby One Enterprises, Inc.
An independent adjusting firm specializing in disputed property insurance claims called Appraisals.
Trusted & unbiased appraisers in disputed property claims
Appleby One Enterprises is an independent adjusting firm known for its professionalism, independence, timeliness, and breadth of experience in disputed property insurance claims called Appraisals across the United States.
We are licensed Independent Insurance Adjusters each with many years of experience in both residential and commercial property insurance claims and Appraisals, and provide our services to clients across the U.S.
Melissa is also an experienced umpire and loss consultant for attorneys. She also provides desk reviews and comparative estimates for litigated claim files, and property damage estimates for contractors.
Services
- Appraisal ServicesWe provide unbiased appraiser services to our clients for disputed property claims called Appraisals.
- Desk Review & Comparative EstimatingWe provide our clients thorough claim file document reviews and written comparative estimates for complex claims and claims in litigation.
- Loss ConsultingWe provide property inspections, photographs, and detailed reports on complex and litigated claims for our clients. Melissa and many of our licensed independent adjusters are HAAG-Certified Residential Roof Inspectors, and several of our adjusters have the Institute of Inspection, Cleaning and Restoration Certification (IICRC) certification for water mitigation estimate reviews.
- Umpire ServicesMelissa is an experienced neutral umpire for those Appraisals where the two appointed Appraisers are unable to resolve it between themselves.
Experience. Integrity. Independence.
- All of our appraisers are licensed independent adjusters with many years of experience — most with at least 15 years of property insurance claims and appraisal experience.
- Most of our appraisers have experience representing both the insurance company and the insured, giving them a unique perspective into the appraisal process, as well as an unbiased approach in handling appraisals.
- Our appraisers are held to high standards and expectations of providing timely and unbiased awards for our clients.
Frequently Asked Questions
What is property insurance Appraisal?
Appraisal is an alternative dispute resolution process provided within most property insurance policies. Appraisal does not determine coverage but can be invoked by either the policyholder or insurance carrier when there is a dispute involving either (or both) the scope of damage or pricing of the repair.
How does the appraisal process work?
Once the appraisal process is invoked as outlined in the insurance policy, each party to the claim, the insurance company and the policyholder select their own appraiser to represent them in the dispute. The role of the appraisers is to reach an agreement regarding the amount of the loss. Should the appraisers be unable to reach an agreement, they, or the court if they cannot agree, will name a neutral umpire to resolve the dispute. The two appraisers and the umpire are referred to as the “Panel”. An award listing the policy coverages with dollar amounts representing the amount of loss. The amounts on the award are supported by an accompanied estimate which outlines the cost to repair or replace the damaged property. An award is considered final when it is signed by at least two of the panel members. The final award is binding with respect to the amount of the loss. The insurance policy or state law may govern the binding effect of the appraisal award.
What is the umpire's role in a property insurance Appraisal?
An umpire is a neutral third party who will be the one to ultimately resolve any disagreements between the two appraisers. Should the appraisers be unable to reach an agreement, they will select the umpire. The umpire is either agreed upon by the two appraisers, or if they are unable to agree to an umpire, may be named by the court. Each appraiser will provide the umpire his/her “position”, which is an estimate of what they believe is the amount of the loss. The umpire will review each position to determine what is in dispute, then rule on the differences between the two positions. The umpire will create an award listing the policy coverages and amounts representing the cost of repairs or replacement of the damaged property, which will be provided to the appraisers for review. The award requires at least two of the three panel members’ signatures to be considered “executed” and binding (the insurance policy or state law may govern the binding effect of the award).
Does Appleby One Enterprises work nationwide?
Appleby One Enterprises has 30+ licensed independent adjusters who can act as appraisers within the appraisal process. Our staff is located across the United States, and we can support your appraisal needs in all 50 states.
Melissa Clarke
President of Appleby One Enterprises, Inc.
- ApplebyOne.Assignments@gmail.com
- Telephone
- 904-742-4181
- linkedin.com/in/applebyoneenterprises
- Melissa's Credentials
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Senior Claim Law Associate (SCLA)
HAAG Certified Residential Roof Inspector
Licensed in Alabama, Florida, Georgia, Louisiana, North Carolina, South Carolina, and Texas