Independent Appraisal · Umpire · Loss Consulting
StrongRock Solutions is an independent insurance appraisal and loss consulting firm. We resolve property insurance claim disputes through the appraisal clause and structured ADR: inspected, documented, line-item valuations that end the argument.
Retained by every party to a property insurance dispute, from homeowners and their attorneys to adjusters, contractors, and carriers.
What We Do
Three roles, one job: establish what the loss actually costs to repair, with evidence behind every line item.
Party-appointed appraiser services under the appraisal clause of the property insurance policy. We establish the amount of loss through field inspection, line-item estimating, and documentation that holds up in front of any panel.
Explore →Neutral umpire services when the party-appointed appraisers reach an impasse. Conflict disclosures up front, equal scrutiny of both positions, and an award with reasoning both sides can trace.
Explore →Independent damage assessment, causation evaluation, Xactimate estimate review, and repair cost analysis. Expert support for attorneys, adjusters, contractors, and owners who need the loss measured, not argued.
Explore →The Process
The same disciplined sequence, whether we serve as appraiser, umpire, or consultant.
A covered loss, two numbers, and a wide gap between them. The carrier's estimate and the owner's contractor disagree on scope, pricing, or both. Under the policy, either party may demand appraisal in writing, and the clock starts.
Each party appoints a competent, impartial appraiser. The two appraisers select a neutral umpire before the merits are touched, with conflicts disclosed in writing. Three people now own the question.
The loss gets measured where it happened. Verified dimensions, slope-by-slope roof documentation, room-by-room photography, moisture mapping, and material sampling. The file is built so anyone can retrace every finding.
The amount of loss is assembled line by line in Xactimate: repair scope, quantities, current local pricing, code-required upgrades, and properly applied overhead and profit. The appraisers compare positions and narrow the dispute to specific items.
Agreement by any two panel members sets the amount of loss. The award is signed, binding, and built on a record that survives review. Weeks of structured process replace years of litigation, and the claim moves to payment.
Who We Serve
Our role never changes with the client. Whoever retains us gets the same deliverable: an objective, documented measure of the loss. See every engagement type →
When your contractor says one number and the carrier estimate says another, you need an independent expert to measure the loss itself: scope, quantities, and current pricing, documented room by room.
Litigation-grade damage analysis, estimate audits, appraisal panel service, and expert reports built to survive deposition. We support first-party property litigation on either side of the v.
A qualified, independent appraiser for your client's appraisal demand. Carriers take our files seriously because the methodology is the same no matter who appoints us.
Objective second opinions on complex losses, re-inspection and re-scoping of disputed files, and appraisal panel participation with full documentation.
Line-item reconciliation when your repair scope is cut. We substantiate quantities, trade sequencing, supervision, and overhead and profit with the same platforms carriers use.
Technical valuation expertise for settlement conferences, arbitration, and structured negotiations where the numbers need a neutral foundation.
Areas of Expertise
Select a loss category to see the damage types we inspect, document, and value, or explore our full areas of expertise.
Water losses generate more valuation disputes than any other peril. The disagreement is rarely whether water entered the building. It is what the proper drying scope was, which materials must be replaced rather than dried in place, and how far matching obligations extend.
Fire claims turn on what smoke and heat actually reached. Soot and odor travel far beyond the burn area, through wall cavities and HVAC systems, and the cost difference between surface cleaning and full encapsulation or removal is enormous.
Storm claims live and die on inspection quality. Hail bruising, granule loss, wind-lifted shingles, and fastener back-out require methodical roof-by-slope documentation, and siding claims routinely raise matching and full-replacement questions under state law.
When a building moves, cracks, or collapses, the valuation question is inseparable from the causation question. Separating covered sudden loss from excluded long-term deterioration or defective workmanship takes documented engineering-grade analysis, not opinion.
Large and commercial losses multiply every dispute found in residential claims: multi-trade scopes, business income calculations, depreciation methodology, and overhead and profit application. These files demand estimating depth and documentation discipline.
Why StrongRock
StrongRock is not a public adjusting firm. We do not negotiate claims, take contingency fees, or represent any party. We are retained by either side of a dispute and our conclusions follow the evidence, period.
Every amount of loss is built line by line in industry-standard platforms, including Xactimate, with verified measurements, current local price lists, and documented quantities behind every figure.
Photographic records tied to floor plans, moisture maps, slope-by-slope roof documentation, causation analysis, and written reports prepared for appraisal panels, mediation, arbitration, and trial.
Appraisal exists so that a valuation dispute can end in weeks instead of years. Our process, from inspection scheduling to award support, is structured to get the file to a binding number.
Straight Answers
Appraisal is an alternative dispute resolution process written into most property insurance policies. When the policyholder and the insurance company agree a loss is covered but disagree on the amount of loss, either party may demand appraisal. Each side appoints a competent, impartial appraiser, the two appraisers select a neutral umpire, and agreement by any two of the three sets the amount of loss, usually as a binding award. It resolves valuation disputes without litigation.
No. Public adjusters represent policyholders and negotiate claims for a fee. StrongRock Solutions is an independent appraisal and loss consulting firm. We do not represent or negotiate for any party. We measure the loss, document it, and stand behind the number, whether we were retained by a homeowner, an attorney, a public adjuster, a contractor, or an insurance carrier.
Appraisal fits when coverage is not in dispute but the amount is: the carrier and the policyholder disagree on repair scope, quantities, pricing, depreciation, or matching. It is typically faster and far less expensive than litigation. Coverage denials and legal questions are not appraisal issues and belong with counsel.
Each party to the dispute appoints its own appraiser, who independently evaluates the amount of loss. The two appraisers then select an umpire, a neutral who resolves whatever line items the appraisers cannot agree on. Agreement by any two of the three panel members produces the award. StrongRock serves in both roles, on different files.
Independent damage assessment, cause and origin evaluation, repair scope development, Xactimate estimate preparation and review, reconciliation of competing contractor and carrier estimates, construction defect investigation, code upgrade analysis, and expert support for mediation, arbitration, appraisal, and litigation.
Tell us the property, the peril, the dispute, and the deadline. We will tell you whether appraisal, umpire service, or independent consulting fits, and quote the engagement plainly.
Engage StrongRock Solutions