Independent claim appraisal · Statewide
When the insurer accepts your claim but the estimate won’t cover the repair, Alaska Insurance Appraiser builds an independent, line-by-line valuation and takes it through the appraisal clause in your policy.
Why owners call
Most disputed claims in Alaska aren’t denials. They’re estimates that leave things out: the insulation behind the wet drywall, the steep charge on a snow-country roof, the barge freight to Kodiak, the second course of ice and water shield. Alaska Insurance Appraiser exists for that gap.
As an Alaska Insurance Appraiser, we start from our own inspection and measurements, never from an edited copy of the carrier’s numbers. The goal is a valuation that holds up in front of an umpire, because that is what actually moves an award.
Services
From a quick estimate review to full appraisal panel work and neutral umpire appointments, each service is built around one job: an accurate, defensible number for your loss.
We act as the appraiser you name once the appraisal clause has been invoked, from first inspection to signed award.
Learn more
Independent valuation of disputed dwelling, other-structure and contents losses for Alaska homeowners and condo owners.
Learn more
Appraisal and valuation support for businesses, landlords, condo associations and multifamily owners.
Learn more
Roof claim valuation for wind, ice, snow and the occasional hail event, including metal and low-slope roofs.
Learn more
Valuation of damage from downslope, gap and coastal winds, including roofs, siding, fences and fallen trees.
Learn more
Appraisal of roof collapse, framing deflection and interior water damage caused by heavy snow and ice dams.
Learn more
Valuation of water losses from freeze-ups, burst lines, boilers and appliance failures, including drying and mold.
Learn more
Appraisal of structure fires, chimney and stove fires, and wildfire smoke and ash damage.
Learn more
Valuation support for owners who carry earthquake coverage and disagree with the carrier's damage estimate.
Learn more
Claim valuation for cabins, lodges and homes reached by plane, boat, barge or seasonal road.
Learn more
A line-by-line review of the insurer's estimate that shows what is missing, underpriced or miscalculated.
Learn more
Impartial umpire work for appraisal panels that cannot agree, for policyholders and carriers alike.
Learn moreHow it works
The appraisal clause turns an open-ended disagreement into a defined process. Here is the path Alaska Insurance Appraiser follows once a demand is made.
Follow your policy's appraisal clause. Most require a written demand. Keep a copy and proof of delivery.
Each side appoints its own appraiser, often within a set number of days of the demand. Your appraiser should meet the policy's independence requirement.
The two appraisers try to agree on a neutral umpire. If they cannot, many policies let either side ask a court in the state where the property is located to appoint one.
The appraisers inspect, exchange estimates and go line by line. Most items are usually resolved at this stage.
Remaining items go to the umpire with supporting photos, measurements and pricing. The umpire may inspect the property.
One state, five claim climates
Forty-below freeze-ups in Fairbanks, Taku winds in Juneau, wildfire smoke in the Mat-Su and earthquakes under Anchorage. An Alaska Insurance Appraiser has to price each one differently.
Anchorage · Eagle River · Wasilla · Palmer
Most of the state’s population and most of its claims. The 2018 earthquake, Hillside and Matanuska windstorms and heavy-snow winters all show up here.
Fairbanks · North Pole · Delta Junction
Extreme cold turns a heating failure into a whole-house water loss. Summers bring wildfire smoke across the Tanana Valley.
Juneau · Ketchikan · Sitka
Steep, wet and barge-supplied. Water intrusion, wind and difficult access drive the cost of nearly every repair.
Kenai · Soldotna · Homer · Kodiak
Beetle-killed spruce, coastal storms and Cook Inlet volcanoes. Island and end-of-road locations raise repair costs.
Bethel · Nome · Utqiagvik · villages
Off the road system, freight and travel can rival the repair itself. Flood and erosion are usually excluded; wind, fire and interior water are not.
Quick gap check
Enter the two numbers you already have. If the difference is large, a conversation with an Alaska Insurance Appraiser makes sense. If it is small, a documented supplement request may close it faster and for less.
The full gap and fee estimator adds appraiser, umpire and travel costs for a realistic net figure.
Free & private
Run the numbers before you call. Every tool works in your browser and nothing you type is stored or sent.
CalculatorSize the disputed amount, test where an award might land, and subtract appraiser, umpire and travel costs.
WorksheetWork out the first ACV check, the recoverable depreciation held back and the total once repairs are done.
CalculatorConvert a footprint and pitch into roof squares, bundles, waste and ice-and-water shield at the eaves.
CalculatorTurn an earthquake or wind percentage deductible into dollars and compare it with a flat deductible.
PlannerTurn your date of loss into a dated checklist of claim milestones and download it to your calendar.
ChecklistAnswer 12 questions to score how ready your claim file is for appraisal and get a to-do list.
CalculatorEstimate how much your roof's snow and ice weigh per square foot and in total, compared with a design load.
Communities served
We work in all 19 organized boroughs and across the Unorganized Borough. These are the communities where Alaska Insurance Appraiser handles claims most often.
AnchorageMunicipality of Anchorage
Eagle River & ChugiakMunicipality of Anchorage
WasillaMatanuska-Susitna Borough
PalmerMatanuska-Susitna Borough
FairbanksFairbanks North Star BoroughJuneauCity and Borough of Juneau
KetchikanKetchikan Gateway Borough
SitkaCity and Borough of Sitka
Kenai & SoldotnaKenai Peninsula BoroughHomerKenai Peninsula Borough
KodiakKodiak Island Borough
ValdezChugach Census AreaChoosing help
Each solves a different problem. Alaska Insurance Appraiser will point you elsewhere when appraisal isn’t the right tool.
Alaska Insurance Appraiser
Public adjuster
Attorney
FAQ
Straight answers about the process, the cost and when appraisal is the wrong move.
We value property damage when you and your insurer agree the loss is covered but disagree on what it costs. As your appointed appraiser we inspect, build an independent line-item estimate, work with the carrier’s appraiser and, if needed, present unresolved items to a neutral umpire.
On the amount of loss, generally yes, once any two of the three panel members sign. That is why the documentation going in matters so much.
A public adjuster presents and negotiates the whole claim. An appraiser works inside the policy’s appraisal clause on one question, the amount of loss. We don’t negotiate outside appraisal and we don’t give legal advice.
Yes. We work statewide, including the Mat-Su, the Interior, Southeast, the Kenai Peninsula, Kodiak and communities off the road system. Remote inspections are planned around weather and access.
Each side pays its own appraiser and usually half of the umpire. Our fee is agreed in writing before work starts, and the first conversation is free.
No. Alaska doesn’t operate a FAIR plan or a wind pool. Owners who can’t find standard coverage often use the surplus lines market. Appraisal clauses appear in most standard and surplus lines property forms.
Claim guides
Practical guides from Alaska Insurance Appraiser on policy language, documentation and Alaska-specific costs.
The appraisal clause is a short paragraph with big consequences. Here is what each sentence usually means.
Earthquake coverage, high deductibles and cracked drywall: practical lessons from the 2018 Anchorage earthquake.
Snow and ice disappear. The evidence you need for a strong claim disappears with them unless you record it first.
Start with a conversation
Tell us what happened and what the carrier offered. We’ll review it and give you a straight answer on whether appraisal is worth pursuing.