by Russ Lis | Apr 23, 2026 | Types of Claims and Perils
Some property losses involve more than one cause of damage at the same time, such as a storm that produces both wind and water damage, or a fire followed by water damage from firefighting efforts. These multi peril claims can add complexity to the appraisal...
by Russ Lis | Apr 22, 2026 | Types of Claims and Perils
Cosmetic damage, meaning damage that affects a roof’s appearance without necessarily affecting its function, is a frequent and sometimes contentious issue in roofing claims, particularly on metal roofs and, to a lesser extent, shingle roofs. On metal roofs,...
by Russ Lis | Apr 20, 2026 | Types of Claims and Perils
Property insurance claims generally fall into two broad categories, partial losses and total losses, and the appraisal process can look somewhat different depending on which type of loss is involved. A partial loss involves damage to only part of a structure,...
by Russ Lis | Apr 18, 2026 | Types of Claims and Perils
Large loss claims, involving significant structural damage, major commercial properties, or substantial dollar amounts, can be especially complex, and appraisal is often a useful tool for resolving disagreements in these bigger, higher stakes situations. Because...
by Russ Lis | Apr 16, 2026 | Types of Claims and Perils
Roof damage is one of the most common sources of disagreement in property insurance claims, whether from wind, hail, age related wear, or a combination of factors, making it a frequent subject of appraisal. A central question in many roof disputes is...
by Russ Lis | Apr 15, 2026 | Types of Claims and Perils
Smoke damage claims, whether from a fire within the home or from a nearby wildfire, are frequently disputed because the extent of the damage is not always visually obvious, unlike more direct forms of property damage. One common point of disagreement is whether...
