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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We wish to thank you for handling our flood with professionalism and care to our home and belongings. Michigan Fire Claims, Inc was able to get us double the offer from the insurance company. Thank you!
Vargel Fili
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Michigan Fire Claims, Inc was able to do everything they assured me could be done on the loss. We were able to take the settlement, pay off the home and purchase a beautiful home not far from work.
Brett and Cindy Deguise
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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.