An appraisal practice, not a claims mill
Maryland Insurance Appraiser works on one question: the amount of loss on a property insurance claim. We act as a policyholder’s appointed appraiser, review insurer estimates before a dispute hardens, and serve as a neutral umpire when two appraisers ask us to. Keeping to that lane is deliberate — it keeps our work focused and our role clear.
How we approach a file
- Scope before price. We inspect and measure before we look at anyone else’s numbers.
- Support over spin. An inflated estimate impresses no umpire. We price what we can back with photos, measurements and local costs.
- Plain-English reporting. You’ll see every difference between our valuation and the insurer’s, and why.
- Honest triage. If the dispute is about coverage or conduct, we’ll suggest an attorney or the Maryland Insurance Administration instead.
- Fees in writing. You’ll know what our work costs before it starts.
Who we work with
Homeowners and condo owners, landlords, small businesses, HOA and condominium boards, property managers, houses of worship, contractors, public adjusters and attorneys. On each claim we serve in one role only, and we disclose prior dealings with the other appraiser or the umpire.
What we are not
We are not a law firm and do not give legal advice. We are not public adjusters and do not negotiate claims outside the appraisal process. We do not promise results — no honest appraiser can.
Why statewide
Maryland packs mountains, Piedmont, tidewater and ocean beach into one small state. A single season can bring an ice-dam leak in Garrett County, hail in Frederick, a derecho through Montgomery County and storm surge on the Lower Shore. Working all 24 jurisdictions means we price each of those losses with local knowledge.