Certified · Neutral · Independent

WHEN DISPUTES DEMAND RESOLUTION.

Independent appraisal and umpire services for disputed property insurance claims — delivered with expertise, impartiality, and finality.

01
100%
Certified Neutral
20+
Years Experience
Binding
Enforceable Awards
50
States Served
Doug R. Moe, Founder — Disputed Insurance Settlements
A Message From Our Founder

The Truth,
Backed by Evidence.

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.

Our team includes subject matter experts in structural engineering, construction practices, and OSHA compliance.

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.

Doug R. Moe President, Disputed Insurance Settlements, Inc.
Engineering Construction OSHA 20+ Yrs
800-261-2160 info@disputedinsurancesettlements.com
SERVICES
Our Services

Appraisal & Umpire Services

Focused exclusively on the appraisal process — expert, impartial resolution for disputed property insurance losses nationwide.

Wind
01

Residential Appraisal

Independent valuation of disputed residential losses — wind, hail, fire, and storm damage grounded in current methodology.

Fire
02

Commercial Appraisal

Expert handling of complex commercial disputes including fire, business interruption, and multi-structure losses.

Umpire
03

Umpire Services

Certified neutral umpires rendering binding, enforceable determinations when appraisers cannot agree.

04

Flood & Water Loss

Deep expertise in NFIP and private flood policy disputes, including federal program requirements and moisture damage protocols.

05

Panel Administration

Full coordination of three-party appraisal panels — communications, documentation, site inspections, and award preparation.

06

Disputed Claims Review

Independent technical review at impasse — objective analysis without advocacy for either the insurer or the insured.

Our Mission

Disputes Deserve a Better Path Than Litigation.

The appraisal process, when administered by a truly neutral party, delivers faster and more equitable outcomes without the cost and uncertainty of court.

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How It Works

The Appraisal Process

01

Mutual Agreement

Both parties agree to invoke the appraisal clause and engage DIS as a neutral administrator or certified umpire.

02

Independent Evaluation

Each party appoints their own appraiser. DIS conducts impartial review of all damage documentation and policy language.

03

Binding Award

A formal written award issued. When agreed to by any two of the three appraisers, it is binding and enforceable under the policy.

Why Choose DIS

A Different Standard
of Neutral Expertise

01

Certified Neutrality

No financial stake in any outcome. No contracts with carriers or policyholders — our only obligation is to the integrity of the process.

02

Deep Industry Experience

Two decades spanning catastrophe response, large-loss property claims, and complex valuation disputes across all property types.

03

Nationwide Reach

Available to serve policyholders, carriers, and attorneys across all 50 states. DIS coordinates all logistics for both parties.

04

Strict Confidentiality

All communications and proceedings are strictly confidential — the discretion expected of a trusted neutral administrator.

Meeting

“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, President
Our Coverage

Residential & Commercial Losses Across All 50 States.

From hurricane damage in the Gulf to wildfire losses in the West — DIS has the expertise to handle your most complex disputed claims.

Contact DIS Today
Doug R. Moe
Doug R. MoePresident — Disputed Insurance Settlements, Inc.
About Us

Founded on
True Neutrality

Disputed 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.

Licensed AppraiserCertified across multiple states
Certified UmpireNeutral panel experience
20+ YearsInsurance industry expertise
All 50 StatesAvailable nationwide
MAP
Service Coverage

Nationwide Service —
All 50 States

Disputed Insurance Settlements provides independent appraisal and umpire services across every state. Hover over any state to confirm coverage.

Active Service Area
Hover to Confirm
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AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC
50
States Served
All
Property Types
24/7
Availability
DIS
Your Neutral Party

Ready to work with a truly neutral appraisal and umpire service?

Request a Case Review
Contact Us

Request a Case Review

All inquiries are handled directly and confidentially. We respond within one business day.

800-261-2160 info@disputedinsurancesettlements.com

All inquiries are confidential. Call 800-261-2160 or email info@disputedinsurancesettlements.com

✓   Inquiry submitted — we’ll respond within one business day.