Why we focus on appraisal
Most claim professionals do a little of everything. We chose to specialize. North Dakota Insurance Appraiser works on one question — the amount of loss — and builds its process, tools and documentation standards around answering it well. That focus lets us serve as your appointed appraiser, review an estimate before a dispute escalates, or sit as a neutral umpire on a panel where we represent neither side.
How we work
- Independent scope first. We inspect and measure before we look at anyone else’s numbers.
- Defensible over impressive. An inflated estimate loses credibility with an umpire. We price what we can support.
- Cold-climate detail. Ice barrier, frost-protected foundations, heat during winter work, short building seasons — the items that often go missing from an out-of-state estimate.
- Plain-English reporting. You’ll understand every difference between our valuation and the carrier’s.
- Fees in writing. Before any work starts, you know what it costs.
Who we work with
Homeowners, condo owners, landlords, HOA boards, property managers, churches, business owners, farm and ranch families, contractors, public adjusters and attorneys across North Dakota. On any one claim we serve in a single role, and we disclose prior relationships with the other appraiser or the umpire.
What we are not
We aren’t a law firm and don’t give legal advice. We don’t act as public adjusters or negotiate outside the appraisal process. We don’t guarantee outcomes — no honest appraiser can.
Statewide on purpose
Weather in the Red River Valley, the drift prairie, the capital corridor, the northwest and the badlands produces very different losses. Working in all 53 counties means seeing every kind of claim the state produces and pricing each with local knowledge.