Allen Insurance Appraiser & Umpire — Hail, Wind & Storm Claims
Our Texas insurance appraisal work includes hail damage insurance appraisal, wind damage insurance appraisal, and tornado damage insurance appraisal.
The appraisers can hire an insurance umpire to resolve remaining panel disagreements.
Professional insurance appraisal services for Allen, Collin County, and Plano, McKinney, Fairview.
Marshall Services provides independent insurance appraisal and ADR umpire services in Allen, Texas, about 10 miles northwest of Wylie on US 75 between Plano and McKinney, entirely in Collin County. NOAA's storm-events narrative for May 19, 2023 says large hail, up to tennis-ball size, fell around Allen, and individual National Weather Service reports that night include 2.50-inch and 2.00-inch hail in Allen. The episode property-damage total of $1.3 billion is NOAA's estimate for the Collin County hail event, not a count of Allen roofs; a two-inch report the same evening in Lucas stays a Lucas report. On April 11, 2016, the Storm Prediction Center log includes ping-pong to hen-egg hail for about eight minutes at Malone and Main and two-inch hail at the Allen Event Center; one line spells the city Allan. Allen's houses are mostly late-1980s through 2000s subdivisions, including Watters Creek and Twin Creeks, with architectural asphalt common and three-tab shingles still on some unrepaired houses, plus low-slope commercial sections at the event center and Watters Creek. Our IAUA CPAU-certified appraiser works independently as party appraiser or neutral umpire, prices to Collin County costs, and uses FAA Part 107 drone inspections. The appraisal clause resolves undervalued claims in 90–120 days for $1,000–$5,000. Public adjusting under Marshall Smith's Texas Department of Insurance license (1642160) is limited to Texas, and he does not act as the policyholder's public adjuster on an Allen file where he is the appointed party appraiser or the umpire.
Frequently Asked Questions
How large was the hail in Allen on May 19, 2023?
NOAA's episode narrative for that night describes large hail up to tennis-ball size around Allen, and individual storm reports include 2.50-inch and 2.00-inch hail in Allen. The episode property-damage total is listed at $1.3 billion for the Collin County hail event, which is NOAA's estimate for the episode rather than a result from any one claim.
What happened in Allen on April 11, 2016?
National Weather Service and Storm Prediction Center reports for that afternoon include ping-pong to hen-egg hail lasting about eight minutes at Malone and Main, and two-inch hail at the Allen Event Center. One Storm Prediction Center line spells the city Allan.
What roofs are common in Allen?
Allen is mostly late-1980s through 2000s subdivisions along US 75 between Plano and McKinney, including the areas around Watters Creek and Twin Creeks. Architectural asphalt is common, and some unrepaired houses still have three-tab shingles.
How far is Allen from Wylie?
Allen is about 10 miles northwest of Wylie, in Collin County, between Plano and McKinney. Public adjusting under Marshall Smith's Texas Department of Insurance license 1642160 is limited to Texas, and an Allen appraisal appointment is not that work.
What determines the cost of having an appraiser handle my claim?
Cost depends on the assignment rather than a fixed rate. Each side pays for its own appraiser, and when a neutral umpire is needed the two sides share the umpire's fee. What we quote reflects the property's size and type, the number of structures, how complex the loss is, and travel. A fee is quoted before any work begins.
Does an appraisal award bind both the policyholder and the carrier?
Under a typical appraisal clause, yes. An award signed by any two of the three participants — the two appraisers and the umpire — is binding on the amount of loss. The carrier then applies the policy's deductible and other terms to that amount. Appraisal settles the amount of loss; it does not decide whether the policy covers the damage.
How long does the appraisal process usually take?
It usually runs in weeks to a few months, though timing varies with scheduling and the size and complexity of the loss. Once appraisal is invoked, the carrier names its appraiser, the two appraisers inspect the property and exchange positions, and a neutral umpire is brought in only if they cannot agree. That is generally faster than the years a lawsuit can take.
When is it worth invoking the appraisal clause?
Appraisal is generally worth considering when coverage has been accepted, the remaining dispute is about the amount of loss, the gap is meaningful, and ordinary negotiation has stalled. It does not resolve a denial of coverage, because appraisal determines valuation rather than whether damage is covered. If your policy contains an appraisal clause, that clause governs whether appraisal is available and how it must be invoked.