Certified Real Estate Appraisers & Texas Homeowners Insurance Claims Assistance

Luxury Home / Penthouses / Condominiums / Waterfront Property / Farm & Ranch /
Certified Valuation Services & Homeowners Insurance Claims Assistance

Houston Property Appraisers knows the demand of our business. Our certified appraisals are depended upon by Insurance Companies, Attorneys, County Appraisal Districts, Homeowners, Mortgage Lenders, Banks, CPA’s, Government Agencies, Business Property Owners, Brokers, Investors, and Realtors.

Our staff includes Real Estate Appraisers, Licensed Insurance Adjusters, and qualified damage estimators to meet your on demand needs.  

Why would I need a Certified Property Appraisal?

Physical Property Damage Estimates, Bankruptcy, Mortgage Re-/Financing, PMI Removal, Property Valuations, Insurable Interests, Estate / Probate Litigation, Property Tax Protest Arbitration, ACV, Actual Cash Value Appraisals, Fair Market Value Appraisals and for legal documentation purposes. Contact the Houston Real Estate & Property Valuation Appraisal Help Desk: 1-877-527-0338.

Homeowners Insurance Claims & Dispute

Perils Insured Against and/or Reasons leading to Denial:

• Actual Cash Value Appraisals
• Cause of Loss Investigations
• Fire & Lightning Damage
• Smoke Damage
• Flood Damage
• Water Damage
• Hot Water Heater Leaks, Plumbing Claims
• Dishwasher Leaks, Broken Pipes
• Windstorm Damage, Hail Damage
• Hurricane Damage, Tornado Damage
• Explosion, Vandalism, Malicious Mischief
• Vehicle Hitting a Building
• Total Loss, ACV Fair Market Value Appraisals
• Sink Hole Collapse, Building Collapse
• Insurance Fraud Investigations
• Breakage of Glass
• Umpire / Arbitration / Mediation Services

With many years of experience in the real estate valuation business, the first thing any insurance carrier must do by autosuggestion is to review all possible avenues to deny your claim, Houston Property Appraisers has worked on both sides in support of the plaintiff or the defendant and knows what it takes in order to ensure a fair, professional and accurate property valuation.

Appraisal Clause / Know Your Rights!

If the insured and the insurer fail to agree on the actual cash value, amount of loss, or the cost of repair, either can make a written demand for appraisal. Each will then select a competent, independent appraiser and notify the other of the appraiser’s identity within 20 days of receipt of the written demand. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, the insured or the insurer may request that the choice be made by a judge of a district court of a judicial district where the loss occurred. The two appraisers will then set the amount of loss, stating separately the actual cash value and loss of each item.

If the appraisers fail to agree, they will submit their difference to the umpire. An itemized decision agreed to by any two of these three and filed with the insurer will set the amount of the loss. Such award shall be binding on the insured and the insurer.
Each party will pay its own appraiser and bear the other expenses of the appraisal and umpire equally.

If you just learned something new then you must not have read the language clearly stated in your homeowners insurance policy. Don’t become another victim of the “as need to know basis”, because an educated home owner knows what to expect should they be involved in a situation where an insurance claim may be denied.