Appraiser Firm — Indianapolis, IN
Independent appraisals for disputed or underpaid losses.
Platinum Loss Solutions brings technical depth to disputed insurance claims as a Indianapolis-based independent appraiser. Matching statutes, ACV vs. RCV mechanics, code-upgrade coverage — the difference between a fair appraisal award and an underpaid one often comes down to these details. Platinum Loss Solutions knows how to document, argue, and win.
Tell Platinum Loss Solutions about your claim.
Confirm appraisal is available under your policy and gather the disputed scope.
Walk the loss, measure, and document — independent of carrier influence.
Written valuation and supporting evidence exchanged with the carrier-side appraiser.
Agreed award where possible; otherwise argue your position to an umpire.
Appraisal is a built-in policy remedy for disagreement on the amount of loss. Faster and cheaper than a lawsuit, and the award is binding.
A competent appraiser has no financial stake in the outcome beyond their fee. That independence is what makes the process legally meaningful.
Matching statutes, code-upgrade coverage, ACV-vs-RCV mechanics — the difference between a fair award and a bad one often comes down to this detail.
Illustrative examples of how common claim types unfold in Indiana — general education, not results of Platinum Loss Solutions. Actual outcomes depend on policy language, damage, and timing.
Homeowners are often offered a partial-slope patch after a storm. Matching-shingles analysis and state matching statutes are the usual grounds for converting that decision to a full replacement — with manufacturer-specified ice-and-water shield, drip edge, and code-required upgrades included where they apply.
Initial carrier estimates frequently miss covered line items. Careful scope review, supporting photographs, and code-required documentation are the basis for supplemental payments — the standard path for returning a policyholder closer to whole after an underpaid claim.
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When you and your carrier agree a covered loss happened but can't agree on the amount. Appraisal is a policy-level alternative to litigation — it's usually faster and cheaper. An independent appraiser can review a denial or low settlement letter and assess whether appraisal is the right move.
Each side selects a competent, disinterested appraiser. The two appraisers try to agree on the amount; if they can't, a neutral umpire decides. Any two of the three sign the award, and it's binding.
Each party pays their own appraiser, and the cost of the umpire is shared equally. Fees are typically hourly or a flat engagement — reputable appraisers disclose them in writing before any work begins.
Appraisal only covers disputes over the amount of a covered loss. If coverage itself is denied, you'll need a public adjuster or attorney first to establish coverage — then appraisal can resolve the dollar amount.
General information about how appraisers work in Indiana — not statements written by Platinum Loss Solutions.
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