Find a Licensed Insurance Appraiser or Umpire
PropertyUmpire is a free, independent directory of licensed insurance appraisers and umpires in Texas, Florida, Louisiana, and Colorado. Every listing is sourced from official state licensing boards — not self-reported, not pay-to-play.
When your insurance company disputes your property claim or offers a settlement that does not cover your actual loss, your policy almost certainly includes an appraisal clause. That clause gives you the right to hire an independent appraiser who works for you — not the insurer. Each side selects their own appraiser, and together they choose a neutral umpire to resolve any remaining differences. The result is binding.
An insurance appraiser represents your financial interests in a disputed claim. Their job is to document, measure, and value your loss independently of what your insurer says it is worth. An insurance umpire is a neutral third party who steps in only when the two appraisers cannot agree — they cast the deciding vote. Neither role is affiliated with your insurance company. Choosing the right appraiser early can determine how much of your loss gets paid.
Before you hire, you should know who you are working with. PropertyUmpire lets you verify that a professional holds an active state license, see where they are located, and review their credentials. We do not accept payment for placement or ranking. Listings appear in the order the state licensing boards report them — nothing more.
Not every dispute requires an appraiser. If your claim has been outright denied (not just underpaid), you may need a public adjuster or an attorney instead. Appraisal works best when both sides agree a covered loss occurred but disagree on the dollar amount. If you are unsure which route applies, the guides below can help you orient before you spend money on a professional.
PropertyUmpire is not affiliated with any state Department of Insurance, any industry association, or any insurer. It is built and maintained independently, for policyholders.
Why PropertyUmpire
- Official state-license data only. Every record is sourced directly from state DOIs and licensing boards — no self-reported profiles, no unverified claims.
- No pay-to-play ranking. Professionals cannot pay to appear higher in results. Order is determined by state data, not by who pays us.
- Independent. Not affiliated with any state DOI, industry association, or insurer. Built for policyholders.
- Free to use. Finding and verifying a professional costs you nothing.
- Four live states: TX, FL, LA, CO. More states being added as official license data becomes available.
Browse by State
How It Works
- Your insurer disputes your property claim or undervalues the loss.
- You invoke the appraisal clause in your policy.
- Each side hires an independent appraiser. They select a neutral umpire.
- The panel resolves the dispute — usually faster and cheaper than litigation.
Learn how to invoke appraisal →
Insurance Appraisal Guides
- How to Invoke Insurance Appraisal →Step-by-step guide with free demand letter template
- Insurance Appraisal Process Guide →How appraisal works when you have a claim dispute
Loss-Type Guides
- Hurricane Damage Insurance Claims →Navigate the appraisal process after hurricane damage
- Roof Damage Insurance Claims →What to know about roof damage claims and the appraisal option
- Hail Damage Insurance Claims →Hail damage claim disputes and when appraisal makes sense
- Storm Damage Insurance Claims →Storm damage claim disputes and the appraisal option
- Water Damage Insurance Claims →When your insurer disputes the extent of water damage
- Wind Damage Insurance Claims →Straight-line wind claims and causation disputes
- Flood Damage Insurance Claims →NFIP vs. private flood — when appraisal applies
- Mold Damage Insurance Claims →Mold remediation disputes and appraisal options
- Fire Damage Insurance Claims →When your fire damage settlement doesn't cover the loss
- Pipe Burst Insurance Claims →Plumbing failure claims and the appraisal process
Frequently Asked Questions
- Browse All FAQs →Common questions about insurance appraisal, umpires, and claim disputes