Where Arizona home estimates usually fall short
Most underpaid home claims are not denials. The carrier pays something, just not enough. After years of reading Arizona estimates, the same gaps show up again and again:
- Tile roofs priced as spot repairs when the underlayment is brittle or the tile profile is no longer made.
- Stucco patched in squares with no allowance for texture and color matching across a wall.
- Block walls, pool equipment and shade structures left off a monsoon claim.
- Interior water losses that stop at the wet drywall and skip baseboards, cabinets or flooring that runs room to room.
- Code and permit items required by your city that never made it into the scope.
- Overhead and profit omitted on a job that clearly needs a general contractor to coordinate several trades.
How a homeowner appraisal works with us
We start with a free review of your policy, the carrier’s estimate and your photos. If appraisal makes sense, we inspect the home, measure every affected area and write an independent estimate. If the carrier’s number is close and a documented supplement would close the gap, we tell you that instead.
Condos, townhomes and HO-6 policies
For condos, the HOA master policy and your unit-owner policy often split responsibility at the drywall, the studs or wherever the CC&Rs draw the line. We read both documents before valuing anything so the right policy is asked to pay for the right items.
Rentals and seasonal homes
Many Arizona homes sit empty for months while owners are out of state. A slow leak in a vacant Lake Havasu or Sun City home can run for weeks. Those losses raise questions about vacancy conditions and long-term seepage. We value the damage; if coverage itself is in question, we will suggest you talk with an attorney.
Questions about homeowner claim appraisal
Do you handle claims on manufactured homes?
Yes. Manufactured and mobile homes in Arizona have their own repair methods and pricing, and we account for them in the estimate.
Will the appraisal include my pool or block wall?
If they are damaged and the policy covers other structures, they belong in the amount of loss. We scope them separately so they are easy to see.
Can I keep my own contractor?
Yes. Your contractor can do the repairs. Our job is to value the loss independently, which also makes us more credible to the umpire.