Independent property claim appraisal · Statewide
Your insurer accepted the claim, then sent a number that won’t cover the repair. Idaho Insurance Appraiser builds an independent, line-by-line valuation of the damage and takes it through the appraisal process in your policy.
Why owners call us
Most short claims aren’t denials. They’re estimates missing a roof plane, a matching wall of siding or the code items a rebuild actually needs. Idaho Insurance Appraiser exists for that space between “covered” and “paid in full.”
The adjuster works for the insurer. When you retain Idaho Insurance Appraiser, we start from our own inspection and our own measurements, and we price the repair your property needs in your part of the state, whether that’s a Boise bungalow, a Rexburg apartment block or a barn outside Jerome.
Idaho perils
Six perils account for most disputed claims in Idaho. Each has its own estimating traps, and each has its own page explaining how we value it.
Hail claims settled on true roof area, real repairability and matching materials.
Learn more
Total losses, ember damage and lingering smoke for homes near Idaho’s forests and foothills.
Learn more
Collapsed roofs, cracked trusses and ice-dam leaks after heavy Idaho winters.
Learn more
Downslope winds, microbursts and windstorms: shingles, siding, fences and fallen trees.
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Burst pipes, supply-line failures and ice-dam leaks priced through drying and rebuild.
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Structure fires, kitchen fires and smoke odor valued through cleaning or replacement.
Learn moreThe process
The appraisal clause turns an open-ended argument into a defined process with a binding result. Here is how Idaho Insurance Appraiser moves a file through it.
We read the policy, the insurer’s estimate and your photos, then tell you plainly whether appraisal fits.
On-site inspection, measurements and a line-item estimate priced for your part of Idaho.
Appraisal is invoked in writing and Idaho Insurance Appraiser is named as your appraiser within the policy’s deadline.
We work through the gap line by line with the insurer’s appraiser. Most disputes narrow here.
Anything left goes to a neutral umpire. Two signatures set the amount of loss.
Six regions, six claim climates
Snow loads in Ketchum, hail in Idaho Falls, wind in Pocatello, wildfire above Boise. An Idaho Insurance Appraiser has to know how each region’s weather shows up on a building and in an estimate.
Boise · Meridian · Nampa · Caldwell · Eagle
Idaho’s population center packs historic Boise homes, fast-growing subdivisions and working farms into one valley. Summer storms, foothills fire and January cold snaps drive most claims.
Boise page
Coeur d’Alene · Post Falls · Sandpoint
Forests, lakes and deeper winters. Wind-thrown trees, snow-loaded roofs and ice dams lead the list, with lake homes and vacation rentals adding coverage wrinkles.
Coeur d’Alene page
Lewiston · Moscow · Orofino
Idaho’s lowest, warmest valley meets the rolling Palouse. Canyon winds, grass fires and summer storms shape claims on older hillside homes and university rentals.
Lewiston page
Ketchum · Sun Valley · Hailey · McCall
Mountain construction costs, second homes left empty for weeks and some of the state’s heaviest snow loads. Wildfire season follows the melt.
Ketchum & Sun Valley page
Twin Falls · Jerome · Burley
The canyon-rim city and its agricultural hinterland: dairies, storage buildings and growing subdivisions, all exposed to wind across open ground.
Twin Falls page
Idaho Falls · Pocatello · Rexburg
Long winters on the Upper Snake plain, wind through the Portneuf Gap and summer hail. Student apartments, potato cellars and older neighborhoods all see claims.
Idaho Falls pageQuick gap check
Enter the two estimates you already have. A large gap is worth a conversation with an Idaho Insurance Appraiser. A small one may close faster with a documented supplement request.
The full claim gap estimator adds fees and shows your net at three landing points. Figures are illustrative.
Free & private
Run the numbers before you call anyone. Every tool works in your browser, and nothing you type is stored or sent.
CalculatorSize the dispute, project an award and see your net after appraiser and umpire fees at three landing points.
CalculatorEstimate the first actual-cash-value check, the depreciation held back and the total after repairs.
CalculatorTurn a footprint into true roof squares with pitch and waste, then compare against the carrier’s count.
CalculatorSee a percentage wind/hail deductible in dollars, the damage threshold for any payment and a 0.5–5% ladder.
PlannerMap notice, proof-of-loss, appraiser, holdback and suit dates from your loss date, then export to a calendar.
ChecklistTwelve yes/no questions that score your claim file and build a personal to-do list before you demand appraisal.
EstimatorEstimate the weight of snow, ice and rain on your roof and compare it with the design load. Built for Idaho winters.
Where we work
Idaho Insurance Appraiser works in every Idaho county. These 12 communities are where we handle claims most often, and each page covers local housing, weather history and common disputes.
Right tool, right job
Idaho Insurance Appraiser will point you elsewhere when appraisal isn’t the right lever. Here’s the short version.
| Question | Idaho Insurance Appraiser | Public adjuster | Attorney |
|---|---|---|---|
| Main job | Value the amount of loss | Manage and negotiate the claim | Legal disputes and litigation |
| Best stage | Coverage accepted, number disputed | Early, from first notice | Denials, bad faith, deadlines |
| Result | Award signed by two of three | Negotiated settlement | Settlement or judgment |
| Decides coverage? | No | No | Argues it in court |
Guides
Practical guides from Idaho Insurance Appraiser on policy language, documentation and strategy for Idaho claims.
What the appraisal paragraph in your policy actually says, how a panel works and the limits you should know before you invoke it.
A step-by-step checklist for photographing hail and wind damage, pulling storm data and building a record an appraisal panel will trust.
Smoke from nearby or distant fires can damage a home that never saw flame. Here is how those claims are documented and why they are often disputed.
FAQ
Straight answers about how appraisal works, what it costs and when it’s the wrong move.
An Idaho Insurance Appraiser values property damage when you and your insurer agree the loss is covered but disagree on the cost. As your named appraiser we inspect, build an independent line-item estimate, work with the insurer’s appraiser and, if needed, present unresolved items to a neutral umpire.
No. A public adjuster manages 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.
When coverage is accepted, you have the insurer’s estimate, and the gap between it and your contractor’s number is meaningful, often more than about 10% or several thousand dollars.
Generally yes, on the amount of loss, once two of the three panel members sign it. That’s why documentation matters before you invoke appraisal.
Each side pays its own appraiser and usually half of the umpire. We put our fee in writing before work starts, and the first conversation is free.
Yes. We work in all 44 counties, from Coeur d’Alene and Lewiston to Boise, Twin Falls, Ketchum, Pocatello and Idaho Falls.
Start with a conversation
Tell us what happened and what the insurer offered. You’ll get a straight answer on whether appraisal is worth pursuing, with no pressure and no obligation.
