Skip to main content
Eagle Assessment Group
Eagle Assessment Group
Soaring Above Conflicts

Insurance Appraisal & Umpire Services

Appraisal is the contractual alternative to litigation. It works when the people running it are competent in the subject matter and genuinely disinterested. Eagle Assessment Group serves as neutral umpire and as CPIA-certified party-appointed appraiser on residential and commercial property claims throughout Florida.

Party-Appointed Appraiser

Selected by a policyholder or carrier to determine the amount of loss. Competent in the subject matter — wind, water, fire, structural, commercial — and disinterested in the outcome. Every line supported by field documentation and construction logic, not by advocacy.

Umpire                                

Appointed by the two party appraisers to resolve items where they cannot agree. Independent review of both positions, independent inspection where warranted, and a clear written award stating the loss separately by item. Best appointed early, before positions harden. 

Conflict Check First             

Send the claim number, loss address, carrier, insured, and both appraisers. You receive a written conflict response before any discussion of the merits. If a conflict exists, I will tell you and decline.                                                                                                              

Subject-Matter Competence

Sixteen years of first-party property claims across fire, wind, flood, structural, and casualty losses, residential and complex commercial. An umpire has to evaluate two competing scopes on their technical merits, not split the difference between two numbers.

Construction Literacy

Appraisal turns on the amount of loss, which is a construction question before it is an insurance question. Forensic building assessment experience and Xactimate estimating with verified pricing mean the award rests on how the building actually goes back together.

A Documented Method

Every position traces to a dated field observation. Measurements are taken, not estimated. The record supports the award if anyone looks at it later.                                                                                                                                                                                                                        

Neutrality & Conflicts

On any file where I serve as umpire, I serve in no other capacity.

Run the conflict check first.

I do not act as umpire on a claim where I, or any affiliated entity, have performed adjusting, inspection, mitigation, restoration, or consulting work. I do not accept umpire appointments on matters involving parties I have a prior or ongoing relationship with. Under Florida law, a proposed umpire may be challenged and disqualified for a familial relationship within the third degree with a party or a party's representative, for having previously represented a party in a professional capacity in the same claim or matter involving the same property, or for having represented another person on the same or a substantially related matter where that person's interests are materially adverse to a party. Send the claim number, loss address, carrier, insured, and both appraisers to EagleAssessmentPLLC@Gmail.com. You will receive a written conflict response befoUmpire Appointment - Conflict Check & Availabilityre any discussion of the merits. If a conflict exists, I will tell you and respectfully decline.

How an appraisal or umpire engagement runs

One — conflict check. Claim identifiers by email, written response before anything else. Two — appointment and disclosure. Written acceptance, fee terms, and disclosure of anything either party should weigh. Three — scope review. Both appraisers' positions, estimates, reports, and photographs reviewed on the record. Four — inspection. Independent site inspection where the record does not resolve the question. Five — award. Written award stating the loss separately by item, signed by two of the three panel members.

Fees

Appraiser: $160 per hour, with an initial budget of 8 to 10 hours depending on the size of the loss. Any time beyond that budget is disclosed and agreed in advance. 

Umpire: a flat fee of $3,300, split equally between the insurer and the insured. Fee terms are confirmed in writing at appointment, after the conflict check clears.