Insurance Appraiser · Umpire · Estimator · Expert Witness · Independent Adjuster

Estimates, appraisals and umpire services that hold up.

Think the insurance company's number is too low? The policy's appraisal clause exists to settle exactly that. Wilderness Adjusting is the independent firm property owners, IA firms, carriers, attorneys and contractors call when a claim needs an accurate, defensible number — and when a dispute needs a fair resolution.

Discuss a file
2,500+claims inspected & estimated over 8+ years
7 statesbased in PA & NJ · also NY · FL · IN · NC · TX
LicensedFL · IN · NC · TX — PA & NJ require no license
Independent adjuster inspection under way at a residential property in northeastern Pennsylvania On site — residential roof and siding inspection
One firm · five ways to help
AppraisalUmpireEstimatingAdjustingExpert witness
Who we help

The number people build their decisions on.

From the firms that handle claims to the contractors who repair them, here's who relies on a Wilderness Adjusting estimate.

Xactimate®

Whoever you are, the rule is the same: insurance carriers only recognize Xactimate® estimates. Anything else submitted simply doesn't compute on their end — this is why every estimate we write is built in Xactimate from the start.

Building owners

One role per claim — the estimate, the appraisal or the umpire. Independent by design, with referrals for the rest.

For owners →

Contractors

Bidding insurance work? Scope and pricing written to insurance standards — no surprises mid-job.

For contractors →

IA firms & carriers

Daily, CAT and overflow claims inspected, scoped and estimated to your standards — files come back clean.

For IA firms →

Attorneys

Independent documentation and an estimate that holds up in deposition and at trial.

For attorneys →

Associations & property managers

A hundred-unit community is a hundred inspections and one claim. We assess it all, then consolidate into one scope.

For associations →
What we do

Five services, one standard of accuracy.

Whether the file needs a clean estimate, a dispute needs settling, or a case needs an expert, every assignment is documented to hold up to scrutiny.

01

Insurance appraisal Most requested

Carrier and policyholder disagree on the amount? The policy’s appraisal clause settles it — without litigation.

Learn about appraisal →
02

Umpire services

Two appraisers deadlocked? As a neutral umpire we review both positions and issue a binding written award.

Learn about umpire services →
03

Adjusting & estimating

Daily, CAT and overflow claims for IA firms and carriers — plus estimate-only work. All written in Xactimate®.

Adjusting & estimating →
04

Expert witness & litigation support

When a claim becomes a case: file review, causation analysis, rebuttal estimates, written opinions and testimony.

Expert witness services →
05

Commercial & large loss

Condo and apartment communities, commercial buildings and large losses — assessed building by building, one consolidated scope.

Commercial & large loss →
How we work

A measured, documented process.

1

Assignment

You send the file — a claim to adjust, an estimate to write, or an appraisal to value. We confirm scope and timeline up front.

2

Inspection & review

We inspect the property when the file calls for it, and review the documentation, photographs and measurements the claim is built on.

3

Estimate & position

We produce an itemized estimate or appraisal position written to insurance standards — accurate and fully defensible.

4

Resolution

The file closes: a clean estimate delivered on time, or a dispute resolved through a fair appraisal or umpire award.

✓

Accurate, documented, and built to hold up — whoever's reviewing it.

The Wilderness Adjusting standard
Why Wilderness Adjusting

Licensed, certified, and trusted across seven states.

7 StatesBased in Pennsylvania & New Jersey — also New York, Florida, Indiana, North Carolina & Texas
LicensedFL, IN, NC & TX — PA, NJ & NY appraisal work requires no adjuster license
Appraiser & UmpireFor appraisal-clause disputes
Expert WitnessFile review, written opinions and testimony for litigation
IndependentEstimates written to recognized insurance standards
Not a Public AdjusterWe don't represent one side of a claim — and take only one role per file
Fully InsuredErrors & omissions and general liability coverage
Xactimate®The same estimating platform nearly every carrier uses
“An estimate is only as good as the documentation behind it. We scope every loss thoroughly and price it to the standard — so the number stands on its own.”
Albert PropstFounder · Independent Adjuster, Appraiser & Umpire
Get in touch

Have a claim, an estimate, or an appraisal?

Tell us about the file. We'll let you know how we can help and how soon we can get to it.

Call 267-664-1447 Discuss a file