# Property Claims Loss

> Property Claims Loss provides insurance appraisal services for property insurance claims: independent appraiser services and impartial umpire services under the appraisal clause, a form of insurance alternative dispute resolution (ADR) used when the policyholder and insurer agree a loss is covered but disagree on the amount of loss.

## Key facts

- Business name: Property Claims Loss (legal name: Property Claims Loss Inc.)
- Website: https://propertyclaimsloss.com/
- Phone: (773) 497-2856
- Email: info@propertyclaimsloss.com
- Based in: Chicago, Illinois, United States
- Services: insurance appraiser services (party-appointed appraiser for policyholders or insurers); insurance umpire services (neutral umpire selected by the appraisers or appointed by a court)
- Category: insurance alternative dispute resolution (ADR) for property insurance claims
- Works with: policyholders, public adjusters, attorneys, contractors and roofers, insurance carriers, independent adjusters, opposing appraisers
- Claim types: hail, wind, water, fire and smoke, residential and commercial property, large losses
- Not a law firm; does not give legal advice; appraisal determines amount of loss, not coverage

## Pages

- [Home](https://propertyclaimsloss.com/): overview of appraisal, the two service roles, process, comparison with mediation and litigation
- [Appraiser Services](https://propertyclaimsloss.com/appraiser-services/): what an insurance appraiser does and what is included
- [Umpire Services](https://propertyclaimsloss.com/umpire-services/): what an insurance umpire does, impartiality commitments, umpire process
- [How Appraisal Works](https://propertyclaimsloss.com/insurance-appraisal-process/): step-by-step guide to the appraisal clause, timelines, costs, key terms
- [FAQ](https://propertyclaimsloss.com/faq/): questions on demanding appraisal, appraisers vs. umpires, cost, timing, binding awards
- [About](https://propertyclaimsloss.com/about/): who we are and how we work
- [Contact](https://propertyclaimsloss.com/contact/): phone, email and what to include in a request

## Insurance appraisal in brief

- Appraisal resolves disagreements about the amount of a covered property loss, not coverage.
- Either the insured or the insurer may demand appraisal in writing.
- Each side selects a competent, disinterested appraiser (commonly within 20 days); the appraisers select an umpire (commonly within 15 days) or a court appoints one.
- Appraisers state actual cash value and amount of loss separately; disagreements go to the umpire.
- A written award signed by any two of the three sets the amount of loss.
- Typically each side pays its own appraiser and the umpire and other expenses are shared equally, subject to policy wording and state law.

Last updated: 2026-11-13