Insurance Appraisal
Evaluate disputed property loss amounts under the appraisal clause, supported by inspection findings and detailed estimates.
Proudly Woman Owned & Operated
Property Insurance Appraisal, Umpire & Adjusting Services
Appraisal, neutral umpire services, field adjusting, and estimate preparation for residential and commercial property claims. Based in Green Valley, Arizona, serving Arizona, Colorado, Nevada, and New Mexico.
- Fast Response Times
- Accurate Estimating
- Objective Claim Resolution
Services
Four services. A clear scope for each.
Choose the support your property claim needs.
Umpire Services
Review both appraisers’ positions and supporting evidence to resolve a deadlock with a reasoned written award.
Independent Field Adjusting
Inspect property damage and document scope and loss details for carriers and independent adjusting firms.
Estimate Preparation & Review
Prepare Xactimate and Symbility estimates, or review existing estimates for scope, pricing, and repair methodology.
Meet Lisa Hoga
Experience behind every assignment.
Practical support for residential and commercial property claims.
TLC Claims Solutions, LLC
Lisa Hoga
I bring more than nine years of property claims experience to TLC Claims Solutions. My background includes Xactimate Level 2 training, IICRC training, and experience preparing and reviewing estimates in Symbility.
My approach starts with the details: inspect the damage, document the scope, and explain the findings clearly. I work with insurers, adjusting firms, public adjusters, attorneys, contractors, and policyholders, with the role and scope defined for each assignment. I also offer fast, efficient website development for trade businesses, with domain, hosting, and website files kept in accounts you own.
View Services- Xactimate Level 2 Training
- Symbility Experienced
- 9+ Years Experience
- Residential & Commercial
Credentials
Experience you can rely on.
Nine-plus years in property claims, with Xactimate training and Symbility estimating experience.
9+Years of Experience
Xactimate Level 2
Training
Preparing detailed scopes and estimates in Xactimate.
Symbility
Experienced
Preparing and reviewing property damage estimates in Symbility.
Damage Specialties
- Water
- Fire
- Wind
- Hail
- Theft
- Vandalism
- Residential
- Commercial
- IICRC Training
- Independent & Objective
- Arizona, Colorado, Nevada & New Mexico
How It Works
A clear, structured appraisal process.
From the initial review to a written award, here is what to expect.
Assignment & Review
Review the policy appraisal clause, prior estimates, photos, and any expert reports to frame the disputed scope.
Independent Inspection
Thorough on-site inspection with detailed documentation of scope, materials, damages, and repair methodology.
Estimate & Negotiation
Prepare an accurate, well-supported Xactimate estimate and confer with the opposing appraiser to narrow differences.
Award or Umpire
Sign a joint award where possible, or submit clearly-reasoned position statements for the umpire's decision.
Service Areas
Serving the Southwest.
Arizona, Colorado, Nevada, and New Mexico.
Primary Coverage Area
Residential and commercial claims throughout Arizona, Colorado, Nevada, and New Mexico with prompt scheduling and turnaround.
- Arizona
- Colorado
- Nevada
- New Mexico
How does the property insurance appraisal process work?
Once the appraisal clause is invoked, each party names an independent appraiser and the two appraisers select an umpire. Appraisers inspect the loss, exchange estimates, negotiate, and sign a joint award; any items they can't agree on are submitted to the umpire for a binding decision.
What areas do you serve?
Based in Green Valley, Arizona, serving Arizona, Colorado, Nevada, and New Mexico for daily claims and appraisals.
What are your typical response and turnaround times?
Assignments are acknowledged the same business day. Inspection scheduling is typically within 3-7 days depending on location, with written reports and estimates issued promptly after inspection.
What are your fees?
Fees vary by assignment type and complexity. Appraisal, umpire, and independent adjusting work is quoted up front — please email an assignment request for a specific quote.
Websites for All Trades
AI-assisted Website Development for Contractors
Professional, mobile-friendly websites built with AI-assisted development for roofing, restoration, plumbing, electrical, HVAC, painting, remodeling, and other trade businesses. Showcase your work, explain your services, and make it easy for customers to reach you.
Built in accounts you own, so you keep control of your domain, hosting, and website files, with guidance on making updates.
Ask about website developmentEmail links open your email app.
Contact
Let's discuss your claim or website.
Need help with a property claim or a website for your trade business? Tell us about your project and the support you need. We’ll discuss the next steps.
Email links open your email app.
- Call
- (720) 675-7324
- Response
- Within 1 business day
