File and estimate review
Review the policy appraisal provision, competing estimates, photographs, reports, and prior carrier communications.
Insurance appraisal
Insured-Side Appraisal Services
Technical, well-documented appraisal representation for Florida residential and commercial property-loss disputes.
Professional dispute services are administered separately from policyholder public-adjusting engagements. Conflicts are checked before an assignment is accepted.
Independent professional services
A focused path for disputes about the amount of loss
When coverage has been acknowledged but the parties disagree about the amount of a covered loss, the policy's appraisal provision may offer a structured alternative to litigation. The exact scope and effect of appraisal depend on the policy and applicable law.
David Messeri serves as an insured-side appraiser with a disciplined approach to scope review, estimating, documentation, panel communication, and award analysis. Each engagement begins with a review of the policy provision, known disputes, deadlines, and potential conflicts.
Scope of engagement
Focused support for complex property-loss disputes
Scope development
Identify disputed damage components and organize the evidence supporting the claimed amount of loss.
Panel participation
Communicate with the opposing appraiser, evaluate proposed umpires, attend inspections, and work toward a supported resolution.
Award documentation
Prepare clear schedules and supporting materials so the issues presented to the panel are organized and traceable.
A disciplined process
Clear administration from intake through completion
- Policyholders and their counsel
- Residential and commercial property owners
- Condominium and community associations
- Professionals seeking an experienced insured-side appraiser
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1
Conflict and document review
Confirm parties, requested role, policy language, deadlines, and available records.
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2
Engagement and scope
Define fees, retainer requirements, deliverables, communications, and inspection needs in writing.
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3
Technical evaluation
Analyze the loss, estimates, photographs, reports, and disputed line items.
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4
Panel administration
Participate in the appraisal process and document the resolution or remaining disagreement.
Discuss an assignment
Submit the matter for availability and conflict review.
Share the parties, property location, date of loss, claim number, requested role, and any scheduling requirements. No engagement exists until terms are confirmed in writing.
Request Appraisal Availability