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Claim Guard reviewed our estimate, found several missed line items, and prepared everything clearly. The entire process was organized, responsive, and easy to follow.
A roof claim can stall when two estimates refuse to meet. Appraisal offers a faster path than court, and Claim Guard powers property insurance appraisal services with Xactimate files that stand up to every question.
Roofers, contractors, and public adjusters use our insurance appraisal service to get appraisal-ready Xactimate estimates, supplements, and umpire support. You upload the carrier’s numbers, photos, and measurements, and the file returns in 48 hours.
On March 10, 2026, hail nearly 5 inches across struck Darien, a short drive from Naperville. In 2025, State Farm paid more hail claims in this state than in almost any other, while winter ice masks cracked shingles and wood.
The usual carrier move is to accept storm damage, then fund a patch job or cut deep for roof age. Property insurance appraisal services give appraisers a Xactimate picture of the real cost, with matching, code upgrades, and hidden items counted.
Your appraiser walks into each meeting with an organized insurance appraisal report, a two-column comparison, and backup for every line under dispute, plus prep notes for defending the numbers.
Put the carrier’s Xactimate or Symbility numbers next to ours and the gaps jump out: quantities, unit costs, labor minimums, depreciation, and O&P (overhead and profit), all in one report.
Since Robert Russo launched Claim Guard in 2018, our insurance valuation services have followed one rule: every disputed dollar comes from physical proof and ZIP-code pricing, just like leading appraisal firms.
Already holding a Symbility or carrier estimate? We will measure it against your field numbers and flag each missing item.
Upload the carrier's estimate, the appraisal demand, photos, and measurements. Tell us exactly which line items are in dispute, so our review starts with the real gap in the numbers.
An estimator compares both estimates line by line against local code and current ZIP-code pricing. Every disputed item gets a photo, a code note, or a pricing reference behind it.
You receive an appraisal-ready Xactimate estimate, a comparison report, and a short summary of every disputed item. The file goes straight to your appointed appraiser, ready for the first meeting.
Full-service clients get revisions after appraiser meetings and umpire packets whenever they are needed. Once the award is signed, we organize the itemized totals so payment moves without new delays.
Claim Guard reviewed our estimate, found several missed line items, and prepared everything clearly. The entire process was organized, responsive, and easy to follow.
Their team saved us hours of paperwork and helped document the supplement correctly. Communication stayed clear from the first review through final submission.
The estimate was detailed, accurate, and delivered quickly. Claim Guard has become a reliable part of our claims process whenever a file needs closer review.
Restoration and general contractors call on our appraisal support when a roof leak turns into wet ceilings, soaked insulation, and ruined drywall. We scope each room, log drying equipment days, and price every trade to the ZIP code.
A carrier that admits storm damage but only funds a repair is the classic reason roofers choose appraisal. Our files prove discontinued shingles, matching issues, steep charges, and code items, making the case for a complete replacement.
Across Illinois
Practical stories and tips on turning underpaid claims into paid ones, straight from our estimating and supplement desk.
Major property damage can happen with little warning. A severe storm can damage a roof in minutes, a plumbing failure can affect several rooms, and a fire can create damage
You filed a property insurance claim expecting coverage for damage to your home or commercial property. Instead, the insurance company denied the claim or issued a payment that appears lower
Dealing with property damage is stressful enough without having to understand a complicated insurance claim at the same time. After a fire, storm, water leak, or other covered event, property
Your estimate, the carrier's figure, and your photos get compared until each contested dollar is clear.
Every photo, measurement, and code note is arranged so appraisers and umpires can trace the numbers.
Most appraisal-ready Xactimate files, priced to the local ZIP code, reach you within 48 hours.
