A practice built around one question
Plenty of claim professionals do a little of everything. Montana Insurance Appraiser focuses on the amount of loss: what it genuinely costs to put a damaged Montana property back the way it was. Our process, documentation and free tools all serve that question. Depending on the claim, we act as your appointed appraiser, review an estimate before a dispute hardens, or sit as a neutral umpire on panels where we represent neither side.
How we work
- Scope before price. We inspect and measure before we look at anyone else’s numbers.
- Supportable over impressive. An inflated estimate looks good on day one and loses credibility with an umpire. We price what we can defend.
- Montana pricing. Labor, materials and travel cost differently in Big Sky than in Glendive. Estimates should reflect where the property actually is.
- Plain-English reporting. You’ll understand every difference between our valuation and the carrier’s.
- Honest triage. If your claim needs an attorney or simply a supplement, we say so.
- Fees in writing. You know the cost and how we’re paid before work starts.
Who we work with
Homeowners, cabin owners, landlords, HOA boards, property managers, churches, business owners, farm and ranch families, contractors and attorneys across Montana. On any claim we serve in one role only, and we disclose prior relationships with the other appraiser or the umpire.
What we are not
We aren’t a law firm and we don’t give legal advice. We don’t act as public adjusters or negotiate claims outside the appraisal process. And we don’t guarantee outcomes; no honest appraiser can.
Why statewide
Montana produces a wide spread of property losses: hail on the plains and the Hi-Line, downslope windstorms along the Rocky Mountain Front, wildfire and smoke in the western valleys, heavy snow and ice dams in the mountains, and frozen pipes everywhere. Working all 56 counties keeps us current on every one of them. For questions about the state’s insurance rules, the Office of the Montana Commissioner of Securities and Insurance publishes consumer guidance and accepts complaints.