When your insurer disputes the value of your commercial loss, an independent appraisal puts the facts back on your side
Ohio Fire Claims represents you through the process, backed by two decades of experience and a full team on every case.
Request Your Commercial Appraisal Consultation
The Insurance Company Has Its Numbers. Do You Have Yours?
When an insurer disputes the value of your commercial loss, the distance between what they offer and what you’re owed can be sizable. Without an independent appraisal, their number quietly becomes your number. The appraisal process exists to correct that, and how you enter it makes a difference.
Independent Appraisal, Done Right,
With a Team That Knows Insurance
Inside and Out
Ohio Fire Claims prepares, supports, and guides commercial property owners through the insurance appraisal process, from first notice all the way to final resolution. You get a full team, not one person with a clipboard.
What the Appraisal Process Covers
Our appraisal services for commercial claims include a thorough on-site damage assessment and documentation, independent building and contents valuation, professional presentation of your loss to back your position, coordination with the umpire process where it’s required, and complete representation through every stage of the dispute.
A Clear Process From Dispute to Resolution
The appraisal process has defined steps, and we walk you through each one.
Step 1: Initial Consultation and Claim Review
We review your current claim status, the insurer’s position, and your policy terms. You learn exactly where things stand before any commitment gets made.
Step 2: Site Assessment and Documentation
Our building estimators and contents specialists carry out an independent, thorough assessment of all covered losses. Nothing gets left out.
Step 3: Appraisal Submission and Representation
We prepare and present your documented loss through the formal appraisal process, including interaction with the insurer’s appointed appraiser and any neutral umpire proceedings.
Step 4: Resolution and Settlement
We work through the process until a determination is reached. You stay informed, in control, and never blindsided by the outcome.
Two Decades of Experience on
Your Side of the Table
Since 2003, our firm has represented more than 2,000 policyholders. The same experience and team-based approach that drives our full claim handling applies directly to appraisal disputes.
A Full Team, Not One Specialist
You get licensed public adjusters, building estimators, contents specialists, and support staff, all working your case together.
Ohio-Licensed and Nationally Affiliated
We are licensed in Ohio and hold active membership in NAPIA, so our credentials are recognized and our process is credible.
No Cost Until Your Claim Is Resolved
Our fee comes from the settlement, not out of your pocket up front. You carry no financial risk to get professional representation.
Trusted for Two Decades
Operating from our Maumee office, we respond quickly across Ohio. Our BBB standing and two decades of active claims work speak for themselves.
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I hired this team after my fire and was so happy with the services of this company I made a couple of referrals. The referrals that I made became happy clients as well.
Gina Mead
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In 2019, these guys literally changed our life. Had it not been for them advocating for us, we would have lost THOUSANDS of dollars of insurance money that was in our policy. Best decision I ever made for our family.
Otto Haentzler
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Nik, Ross, & Matt
Words cannot express how much gratitude and appreciation I have for you and your staff. The length in which you all went to lift my burden and ease my stress was remarkable — you treated me like family!
Cheers and best wishes to you all!Kathy Niver
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Matt, Ross, and Inventory Team:
Jerry and I wanted to thank all of you again for the assistance you gave us between the fire and our getting into our new home. Matt, you and Ross gave us reassurance and guidance working our way through this process. Kay, thanks to you for your extra time here trying to make sense of the cleaning inventory concerning what they did and did not do. We realize that you, Matt, made numerous visits to calm me down and give us support when we were overwhelmed with everything going on. We are very grateful. The job everyone did and the function and support of your company was priceless to us!
Thank you all!Jerry and Joyce Gillette
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It has been five years now since I needed your service. I lost my home in March of 2010 to a house fire. I was getting the run around from my insurance company when I called and met with Nik the very next day. Thanks to him and the great team he has working for him I was able to buy a new home and recover what I had coming from the insurance company for my contents and home. If you should ever need references I would be happy to meet and speak with anyone.
Nancy Jeffrey
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Thank you for all of your support during a very difficult time in my life. As you know, it was not an easy decision for me to make, however it ended up being a very good decision and one that helped me a great deal during a very emotionally difficult time. I am deeply appreciative of everything you and your fine staff did to help me and I will remember that for the rest of my life.
Thanks again for everything.Lori
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Thank you for a job well done.
J Abate
Vice President, Comerica Bank
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A tremendous weight was lifted off our shoulder knowing we had you preparing and presenting our loss to State Farm. We were able to continue our normal work schedules without all the added pressure. Thank You.
Mosby and Brenda Clark
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Thank you for the work performed on our fire claim. We are happy with the settlement. We will continue to refer you to friends, relatives, and any one we meet with a fire loss.
John Vandoer
Commercial Property Owners
Who Should Be Talking to Us Right Now
If your insurer has offered a settlement that doesn’t reflect your actual loss, or if the claim has stalled without a satisfactory resolution, an independent appraisal may be the most direct path forward.
Fire and Smoke Damage Disputes
Your building and contents took a hit. Their estimate didn’t reflect the full scope. We document and present what’s actually owed.
Water and Flood Damage Disputes
Water damage gets underestimated by carrier adjusters all the time. Our independent assessment sets the record straight.
Denied or Underpaid Commercial Claims
If a claim has been denied or the offer sits far below the real loss, the appraisal process is a formal, policy-backed mechanism for dispute resolution. We know how to use it.
Business Interruption Losses
When a covered event disrupts your operations, income losses are part of the claim. We document and support those figures through appraisal as it applies.