Independent appraisal and umpire services for disputed property insurance claims — delivered with expertise, impartiality, and finality.
When an insurance claim is disputed, both sides deserve one thing above everything else — the truth, backed by evidence.
We built Disputed Insurance Settlements on a simple belief: that the appraisal process works best when it is supported by the deepest possible expertise — and administered by people who take professional neutrality seriously. That commitment is at the core of everything we do.
Our appraisers don’t just inspect damage. They understand it — at a level most people in this process never reach. They bring decades of hands-on experience evaluating building damages, developing accurate scopes of loss, applying current building codes, and pricing repairs the right way — based on what work actually costs in the real world.
That matters — because when a loss involves how a building was built, what code requires, or what a proper repair actually entails — you need people who can speak to those facts with authority.
Not assumptions. Not opinions. Facts. Backed by evidence.
When Disputed Insurance Settlements delivers a determination, both parties can stand behind it — because it was built on documentation, expertise, and an unwavering commitment to neutrality. No advocacy. No agenda. Just the truth the process demands.
Focused exclusively on the appraisal process — expert, impartial resolution for disputed property insurance losses nationwide.
Independent valuation of disputed residential losses — wind, hail, fire, and storm damage grounded in current methodology.
Expert handling of complex commercial disputes including fire, business interruption, and multi-structure losses.
Certified neutral umpires rendering binding, enforceable determinations when appraisers cannot agree.
Deep expertise in NFIP and private flood policy disputes, including federal program requirements and moisture damage protocols.
Full coordination of three-party appraisal panels — communications, documentation, site inspections, and award preparation.
Independent technical review at impasse — objective analysis without advocacy for either the insurer or the insured.
The appraisal process, when administered by a truly neutral party, delivers faster and more equitable outcomes without the cost and uncertainty of court.
Get Started TodayBoth parties agree to invoke the appraisal clause and engage DIS as a neutral administrator or certified umpire.
Each party appoints their own appraiser. DIS conducts impartial review of all damage documentation and policy language.
A formal written award issued. When agreed to by any two of the three appraisers, it is binding and enforceable under the policy.
No financial stake in any outcome. No contracts with carriers or policyholders — our only obligation is to the integrity of the process.
Two decades spanning catastrophe response, large-loss property claims, and complex valuation disputes across all property types.
Available to serve policyholders, carriers, and attorneys across all 50 states. DIS coordinates all logistics for both parties.
All communications and proceedings are strictly confidential — the discretion expected of a trusted neutral administrator.
“When Disputed Insurance Settlements delivers a determination, both parties can stand behind it — because it was built on documentation, expertise, and an unwavering commitment to neutrality. No advocacy. No agenda. Just the truth the process demands.”
— Doug R. Moe, PresidentFrom hurricane damage in the Gulf to wildfire losses in the West — DIS has the expertise to handle your most complex disputed claims.
Contact DIS TodayDisputed Insurance Settlements, Inc. was established on the belief that disputed claims deserve a better resolution path than prolonged litigation. When the appraisal process is administered by a genuinely neutral party, it consistently delivers faster, more equitable outcomes for everyone involved.
Our president, Doug R. Moe, brings more than 20 years of insurance industry experience — spanning catastrophe response, large-loss property claims, independent adjusting, and complex valuation disputes. His expertise in engineering, construction, and OSHA compliance gives DIS a uniquely authoritative foundation for every appraisal award we issue.
At DIS, we have no allegiance to any carrier or policyholder. We have one commitment: the integrity of the appraisal process.
Disputed Insurance Settlements provides independent appraisal and umpire services across every state. Hover over any state to confirm coverage.
Ready to work with a truly neutral appraisal and umpire service?
Request a Case ReviewAll inquiries are handled directly and confidentially. We respond within one business day.