Property Loss
Appraisal &
Umpire Services
CHLJAY SERVICES, LLC delivers independent property loss appraisal, umpire, and field consulting for insurance carriers, policyholders, and TPAs across Alabama, Florida, and beyond. Credentialed, impartial, and thorough on every engagement.
Loss Appraiser
Loss Umpire
Professional Appraisal and Consulting Services
Serving carriers, policyholders, and TPAs across Alabama and Florida, CHLJAY SERVICES offers certified appraisal, umpire, and field consulting services built on accuracy, independence, and professional accountability.
Property Loss Appraisal
When a dispute arises over the amount of a loss, the appraisal clause in your policy provides a structured resolution path. CHLJAY conducts thorough, documented assessments to establish the scope and value of property damage for any party requiring an independent, credentialed opinion.
Request AppraisalUmpire Services
When two appraisers cannot agree under the appraisal clause, a neutral umpire provides binding resolution. As a P.L.A.N. Certified Umpire, CHLJAY brings the credentials, impartiality, and analytical rigor the umpire appraisal clause role demands, trusted by both parties to reach a fair determination.
Request UmpireClaims Consulting
Complex claims sometimes require an experienced professional to review documentation, interpret policy language, and advise on scope and valuation. CHLJAY provides consulting to policyholders, carriers, and counsel seeking an informed, objective perspective.
Schedule ConsultationDamage Assessment
Comprehensive field assessment for storm, wind, hail, fire, water, and structural losses. Includes on-site inspection, photographic documentation, scope writing, and a detailed report suitable for use throughout the claims process.
Schedule AssessmentCarrier Adjuster Services
CHLJAY provides independent field adjuster services directly to insurance carriers, third-party administrators, and managing general agents. We handle loss inspections, scope writing, and documentation to your specifications and reporting standards.
Carrier InquiriesMediation Preparation and Support
When a claim proceeds to mediation, having well-prepared documentation and a credentialed appraiser to support the process can be decisive. CHLJAY assists in organizing, presenting, and supporting technical appraisal evidence through the mediation process.
Learn MoreP.L.A.N. Certified
CHLJAY SERVICES is led by Dan Thifault, CPLA, CPLU, who holds dual certification from the Property Loss Appraisal Network (P.L.A.N.) as both a Certified Property Loss Appraiser and Certified Property Loss Umpire.
P.L.A.N. certification requires demonstrated competency in damage assessment, scope writing, appraisal clause procedures, and professional ethics and is recognized by carriers and policyholders alike as a mark of qualified, trustworthy service.
For carriers and TPAs, P.L.A.N. certification means you are engaging a qualified, accountable professional who understands industry standards and documentation requirements. For policyholders, it means your appraiser has the credentials and training to produce a report that holds up in the appraisal panel, in mediation, or wherever the claim leads.
Professional service to
all parties
in the claims process
Property loss appraisal demands accuracy above advocacy. CHLJAY SERVICES brings independent expertise to every engagement, producing thorough, defensible assessments that serve the integrity of the process, regardless of which side of the claim you represent.
When the documentation is right and the scope is accurate, the claim moves forward. That is the outcome we work toward.
Objectivity you can rely on
An appraisal is only as valuable as the independence behind it. CHLJAY SERVICES has no financial interest in the outcome. We focus solely on producing an accurate, well-documented assessment.
Thorough field documentation
Every engagement includes on-site inspection, photographic documentation, scope development, and a defensible written report built to withstand scrutiny from any stakeholder.
Carrier and field experience
Our background includes both policyholder and carrier-side work. That dual perspective means we understand the full claims process and where documentation and valuation issues most often arise.
Responsive and professional
We respond to inquiries promptly and manage engagements with the professionalism that both policyholders and carriers expect from a certified appraisal professional.
Experience across every
cause of loss
Water and Flood
Pipe bursts, roof leaks, overflow, and flooding events. Assessment includes primary damage, secondary moisture intrusion, and documentation of all affected systems and materials.
Storm, Wind and Hail
Hurricane, tropical weather, tornado, thunderstorm, and hail losses, including CAT claims. Thorough inspection of roofing, cladding, fenestration, and structural elements with accurate scope documentation.
Fire and Smoke
Structural fire, wildfire interface, and smoke and soot claims. Assessment covers structural components, mechanical systems, finishes, contents exposure, and all coverage categories applicable to the loss.
Structural and Collapse
Foundation movement, collapse, and structural integrity assessments. Documentation supports accurate scope development and cost estimating for structural repair and rebuild.
Vandalism and Malicious Damage
Thorough documentation of intentional property damage including scope verification, cost support, and inventory preparation for both structure and personal property claims.
Commercial and Business Property
Complex commercial property losses including office, retail, industrial, warehouse, and multi-family residential. Experience with large-loss documentation and commercial scope requirements.
Appraisal Process Explained
The appraisal process resolves disputes over the amount of a loss, not coverage or liability. Each side selects their own appraiser. The process is structured, professional, and designed to reach a fair resolution without litigation.
Request a
Claim Review
Whether you are a property owner, insurance carrier, contractor, or legal representative seeking professional appraisal services, we welcome your inquiry. We respond to all contacts promptly and in confidence.