Welcome to Our World

When you file an insurance claim, the insurance company sends their own adjuster to represent their interests. Shouldn't you have someone in your corner too?  

A Public Adjuster works exclusively for YOU — the policyholder — to make sure your claim is properly documented, accurately valued, and fairly settled.  

HOW WE HELP POLICYHOLDERS:  

• Policy Review   We review your policy before, during, and after   a loss to make sure you understand your coverage   and your rights.  

• Damage Documentation   We conduct a thorough independent inspection   of all damages — often finding items missed   by the insurance company's adjuster.  

• Claim Preparation & Submission   We prepare a complete, professional claim   package including estimates, supporting   documentation, and proof of loss.  

• Negotiation   We negotiate directly with the insurance   company on your behalf to achieve the   maximum fair settlement under your policy.  

• Dispute Resolution   If your claim has been underpaid, delayed,   or denied, we can re-open and supplement   the claim with additional documentation   and professional advocacy. 

TYPES OF LOSSES WE HANDLE: 

🏠 Residential Property 

🏢 Commercial Property 

🌀 Hurricane & CAT Losses 

🔥 Fire & Smoke Damage 

💧 Water & Flood Damage 

🌩️ Hail & Wind Damage  

Currently offering Public Adjusting services in Arizona. Additional states coming soon. 

When you and your insurance company cannot agree on the value of a covered loss, your policy likely includes an Appraisal Clause — a formal dispute resolution process that can resolve the disagreement without litigation. 

WHAT IS THE APPRAISAL PROCESS? 

Under most property insurance policies, either the insurer or the insured may invoke the appraisal clause when there is a disagreement on the amount of loss. 

 Each party selects a competent, independent appraiser. The two appraisers then attempt to agree on the loss amount. If they cannot agree, they jointly select a neutral Umpire to make a binding decision. 

HOW COPPER STATE CLAIMS CAN HELP: 

AS YOUR APPRAISER:   We represent your interests in the appraisal process. We conduct a thorough independent assessment of your damages, prepare a comprehensive appraisal report, and work to reach a fair resolution on your behalf.  

Our company brings: 

• 43 combined years of claims experience 

• Deep knowledge of construction costs   

   and Xactimate estimating 

• Familiarity with insurance policy language   

   and appraisal procedures 

• Professional, documented methodology  

                    TYPES OF LOSSES: 

Residential | Commercial | Fire | Wind/Hail | Water | CAT Losses  Currently offering Appraisal services in Arizona. 

When two appraisers in an insurance appraisal cannot reach an agreement, they must select a neutral, qualified Umpire to make a binding determination on the amount of loss. 

The Umpire's role is critical — requiring deep industry knowledge, impartiality, and the ability to evaluate complex damage assessments from both sides.
 

WHY CHOOSE COPPER STATE CLAIMS AS YOUR UMPIRE?
 

 ✅ TRULY INDEPENDENT    

       With no financial stake in either party's    

       position, we serve as a genuinely 

       neutral third party committed to a 

       fair outcome. 

 ✅ DEEPLY EXPERIENCED    

       Our claims experience means we 

       understand construction, policy 

       language, estimating methodology, and    

       damage assessment at the highest level.

 ✅ BOTH SIDES PERSPECTIVE    

       Having worked as carrier adjusters,    

       independent adjusters, and public 

       adjusters, we understand how both 

       sides build their positions — making us 

       uniquely qualified to evaluate 

       competing appraisals fairly.

 ✅ PROFESSIONAL & DOCUMENTED    

       Every umpire decision is supported by    

       thorough documentation, professional    

       methodology, and clear  

       written reasoning. 

 THE UMPIRE PROCESS: 

1. Both appraisers submit their awards 

2. Umpire reviews all documentation 

3. Umpire may conduct independent 

    inspection 

4. Umpire issues binding award  

Currently offering Umpire services in Arizona.