Property Claims Professionals
Property Claims Experience.
Personal Attention.
Independent adjusting, public adjusting, appraisal, and umpire services—with careful documentation and clear communication.
Our Company
Property claims expertise.
Personal attention.
We bring property claims experience, careful evaluation, and direct communication to residential and commercial assignments.
Our Background
Copper State Claims Services LLC is based in Surprise, Arizona. Our backgrounds span residential and commercial property claims, catastrophe response, and insurance production.
That experience informs our work in independent adjusting, Arizona public adjusting, appraisal, and umpire services. We clarify the requested role and scope before accepting each assignment.
Our approach
Our Approach
Thorough documentation
We evaluate property damage and prepare organized estimates and supporting materials appropriate to the assignment.
Direct communication
We explain the work, communicate progress, and address questions throughout the process.
Defined responsibilities
We distinguish claim representation from appraisal and impartial umpire work, reviewing requirements and potential conflicts.
Our Field Experience
Our individual careers include assignments following hurricanes, wildfires, floods, hailstorms, and other property losses. We bring those field observations to the practical details of each file.
Availability depends on the location, requested service, applicable requirements, and our current assignments.
Meet Our Team
Learn more about the experience behind our work.
Our Services
Property Claims Services
Choose the service that fits your assignment, claim, or valuation dispute. We will discuss scope, availability, and next steps.
For insurance claim assignments
Independent Adjusting
Property inspections, damage assessments, estimates, and organized reporting for residential and commercial losses.
For Arizona policyholders
Public Adjusting
Claim documentation, preparation, and insurer communication to pursue a fair settlement under the policy.
For disputed loss amounts
Appraisal Services
Documented evaluation of the amount of loss when the applicable policy’s appraisal provision is available.
For appraisal appointments
Umpire Services
Impartial review of competing valuations within the insurance appraisal process.
What to expect
Our Process
- Discuss the matter. Tell us about the property, loss, requested role, and timing.
- Confirm the engagement. We review scope, availability, requirements, and potential conflicts.
- Evaluate and document. We complete the agreed work and prepare the relevant materials.
- Communicate next steps. We explain findings within the scope of our role.
Not sure which service fits?
Describe the situation and we can discuss the appropriate next step.
Independent Adjusting
Independent Adjusting
We support independent adjusting firms with residential and commercial property claim assignments, from individual inspections to catastrophe response.
Evidence from the property.
Our work includes damage assessment, scoping, estimating, and supporting documentation tailored to the assignment. We prepare Xactimate estimates and reports informed by field observations.
We confirm the location, requested scope, reporting expectations, and applicable licensing requirements before accepting the work.
Property losses we handle
Residential & commercial
Roof, interior, structural, and other property assessments with documentation tailored to the assignment.
Wind & hail
Roof and exterior inspections, damage scoping, and Xactimate estimates.
Fire & smoke
Structure assessments, smoke damage documentation, and contents evaluation.
Water & flood
Source documentation, damage scoping, moisture mapping, and mitigation review where appropriate.
Contents
Detailed inventories and evaluation of actual cash value and replacement cost.
Catastrophe response
Assignment support following hurricanes, wildfires, flooding, and severe storms, subject to availability.
Discuss an assignment.
Share the property location, requested work, and reporting deadline.
Arizona Public Adjusting
Arizona Public Adjusting
We work on behalf of Arizona policyholders to document property damage, prepare claim materials, and communicate with the insurer.
How we assist
Policy & claim review
We review the relevant policy and claim information to understand the matter and discuss the scope of our services.
Damage documentation
We inspect and document the reported property damage and prepare supporting estimates and materials.
Claim preparation
We organize estimates, records, and other documentation appropriate to the claim, including proof-of-loss materials where applicable.
Insurer communication
We communicate with the insurance company on your behalf to pursue a fair settlement under the policy.
When a claim is disputed
If a claim has been delayed, underpaid, or denied, we can review the available information and discuss whether additional documentation or a supplemental submission may be appropriate.
We explain the proposed scope and fees before beginning an engagement. Coverage and claim outcomes depend on the policy and facts of the loss.
Residential and commercial property losses
Our experience includes wind and hail, fire and smoke, water and flood damage, and catastrophe losses. Public adjusting services are currently offered in Arizona.
Tell us about your claim.
Start with the property location, type of loss, and current claim status.
Appraisal Services
Appraisal Services
When an applicable appraisal provision is available, we evaluate the amount of loss through property observations, estimating knowledge, and supporting documentation.
Our appraisal work
Review the materials
We examine the relevant estimates, photographs, reports, and appraisal requirements.
Evaluate the loss
We assess damage and supporting costs, with inspection work appropriate to the assignment.
Prepare the valuation
We present a supported loss assessment using documented observations and estimating methods.
Participate professionally
We work within the scope of the appraisal appointment and applicable requirements.
Understanding the process
Appraisal provisions establish how appraisers are selected, how differences are addressed, and how an umpire may participate. The applicable policy and jurisdiction determine the process and effect of an award.
We review the requested role and requirements before accepting an appointment.
Property appraisal experience
Residential and commercial losses involving fire, wind, hail, water, and catastrophe damage. Appraisal services are currently offered in Arizona.
Discuss an appraisal matter.
Let us know the location, current stage, and relevant timing.
Umpire Services
Umpire Services
We evaluate competing loss valuations within the insurance appraisal process, with attention to the documentation and requirements of the appointment.
Before an appointment
We review qualifications, availability, appointment requirements, and potential conflicts. Impartiality is central to the umpire role.
A documented evaluation
We consider the submitted estimates, reports, photographs, and other supporting information. An additional inspection may be appropriate.
Practical field perspective
Our property claims and estimating backgrounds inform our review of competing damage assessments and loss valuations.
Clear communication
We communicate within the scope of the appointment and applicable appraisal provisions.
A distinct professional role
Umpire work requires impartial evaluation. It is distinct from policyholder representation and is subject to the applicable policy provisions and jurisdictional requirements.
Umpire services are currently offered in Arizona.
Check appointment availability.
Provide the parties, location, relevant timing, and requested scope.
Claims Handling · Catastrophe Response
Our Team
Our team brings experience in residential and commercial property claims, flood losses, estimating, and catastrophe response. We combine careful damage evaluation with clear communication, responsive service, and integrity throughout each assignment.
Founder
James
Property Claims · Estimating · Catastrophe Response
James brings 17 years of claims adjusting experience across residential and commercial property losses, damage assessment, estimating, and catastrophe response. His field background includes individual property inspections and deployments following major hurricanes and wildfires.
He approaches claims handling with integrity, careful documentation, and clearly supported findings. He prioritizes responsive service by explaining his work, addressing concerns promptly, and following through on commitments.
Career Experience
- Hurricanes Irene and Sandy
- Hurricanes Harvey and Irma
- The Camp and Carr fires in Northern California (2018)
- The 2010 Gulf Coast oil spill
- Wind, hail, and water losses across multiple states
Co-Founder
Jewlene
Claims Handling · Property Losses · Catastrophe Response
Jewlene brings 21 years of adjusting experience to property claims and catastrophe response. Her work includes flood, wind, hail, tornado, water, and sewer backup losses, with a focus on thorough documentation and helping clients understand the claims process. Following Hurricane Katrina, she earned National Flood Insurance Program (NFIP) certification after her first year of claims experience.
Her approach combines integrity, thorough documentation, and attentive customer service. She emphasizes fair, accurate, and supported claim evaluations while communicating clearly, addressing concerns promptly, and following through on commitments.
Before entering claims adjusting, Jewlene worked in insurance production, adding perspective to her understanding of insurance policies.
Career Experience
- Hurricanes Katrina, Gustav, Dolly, and Irma
- The 2008 Iowa floods
- The 2010 Phoenix hailstorm
- Wind, hail, and tornado claims in the Midwest
- Water and sewer backup claims across multiple states
Career experience includes assignments completed before Copper State Claims Services LLC was established.
Work directly with our team.
Tell us about the claim or assignment you need help with.
Contact Us
Contact Our Team
Tell us about your property claim, adjusting assignment, or appraisal matter. We will discuss the appropriate service and next steps.
Speak with our team
Email Our TeamOffice hours
Monday–Friday · 9 a.m.–5 p.m.
Saturday–Sunday · Closed
Arizona local time
15449 W Sierra St
Surprise, AZ 85379
We travel to the property for scheduled inspections and assessments. Please call or email to arrange an appointment.
What to include in your inquiry
Your contact information
Your name, phone number, and email address.
The property and loss
City and state, type of damage, approximate date of loss, and a brief description.
The service you need
Independent adjusting, Arizona public adjusting, appraisal, or umpire services. If unsure, describe the situation.
Relevant timing
Any assignment deadline, scheduled inspection, or time-sensitive requirement.
Service availability depends on the property’s location, the requested role, and applicable requirements.