Experienced. Professional. Appraisers.
WHO WE ARE
National Appraisal & Dispute Resolution (NADR) provides independent, impartial appraisal services to help resolve property and commercial insurance disputes efficiently and professionally.
We specialize in the appraisal process outlined within insurance policies, focused solely on determining the amount of loss when reasonable parties disagree. Our role is not advocacy or coverage interpretation, but fair, defensible valuation grounded in experience, documentation, and policy compliance.
NADR works with:
Insurance carriers
Policyholders
Attorneys and claims professionals
Our appraisers bring extensive experience in property, commercial, and complex loss valuation, ensuring every matter is handled with integrity, transparency, and respect for the process.
What Sets NADR Apart :
Neutral, experienced appraisers trusted by all parties
A disciplined approach rooted in insurance policy appraisal provisions
Nationwide reach with expertise in catastrophe and complex claims
Commitment to efficiency, professionalism, and dispute resolution, not escalation
At NADR, appraisal is exactly what it’s meant to be: a structured, independent path to resolution. We don’t fight. We resolve.
OUR SERVICES
Insurance Adjusting - Our people are the key to our success. NADR contracts with seasoned appraisers who have years of experience working with Insurance Carriers and policy holders in a variety of roles across the industry. We understand the urgency of processing claims quickly and fairly so that you can repair the damage to your property with as little hassle as possible.
If you have suffered a loss on your insured property, call us today to discuss your options. We will help you understand the appraisal process, damage assessments, and guidelines for using insurance payments. Our team is always available to answer questions.
Claims Consulting - Our people are the key to our success. NADR contracts with seasoned appraisers who have years of experience working with Insurance Carriers and policy holders in a variety of roles across the industry. We understand the urgency of processing claims quickly and fairly so that you can repair the damage to your property with as little hassle as possible.
If you have suffered a loss on your insured property, call us today to discuss your options. We will help you understand the appraisal process, damage assessments, and guidelines for using insurance payments. Our team is always available to answer questions.
Insurance Appraisals - Our people are the key to our success. NADR contracts with seasoned appraisers who have years of experience working with Insurance Carriers and policy holders in a variety of roles across the industry. We understand the urgency of processing claims quickly and fairly so that you can repair the damage to your property with as little hassle as possible.
If you have suffered a loss on your insured property, call us today to discuss your options. We will help you understand the appraisal process, damage assessments, and guidelines for using insurance payments. Our team is always available to answer questions.
Expert Testimony - Our people are the key to our success. NADR contracts with seasoned appraisers who have years of experience working with Insurance Carriers and policy holders in a variety of roles across the industry. We understand the urgency of processing claims quickly and fairly so that you can repair the damage to your property with as little hassle as possible.
If you have suffered a loss on your insured property, call us today to discuss your options. We will help you understand the appraisal process, damage assessments, and guidelines for using insurance payments. Our team is always available to answer questions.
OUR COMMITMENT TO NEUTRALITY
NADR does not serve as an advocate within the appraisal panel. Our responsibility is to the integrity of the process and the accuracy of the valuation.
We work collaboratively and professionally with carriers, policyholders, contractors, and legal counsel to provide transparency and regular updates throughout the process, while maintaining an independent appraisal panel that reaches its findings autonomously.
Our reputation is built on consistency, technical competence, and measured decision-making.
Customized Solutions
No two people or claims are the same. Whether you are a residential or business property owner, your policy and the specifics of your case are important to us.
Our team collaborates with clients to determine the necessary services to resolve a claim fairly and promptly. We take the time to understand each client and tailor solutions to their unique situation.
24/7 Expert Support
Emergencies don’t happen only between 8 and 5, and neither do we. NADR clients have access to information and support 24/7.
End to end claims management
From start to finish, NADR supports you throughout the claims process. We ensure transparency while working to secure your settlement. Our team is dedicated to obtaining a fair settlement and keeping you informed every step of the way.
Track Claim Status
We provide regular updates as your claim progresses through the appraisal, negotiation, and settlement processes. Your NADR representative is always available to answer questions and give you general updates on your appraisal.
Innovative Solutions
Since each client is different, we pride ourselves on tailoring solutions to meet individual needs. We build innovative offerings for clients. Let us answer those odd questions and special requests using our industry know-how and creative problem solving.
OUR PROVEN PROCESS
What Is Insurance Appraisal ?
Most property insurance policies include an appraisal provision. When the insured and the carrier disagree on the amount of loss, either party may invoke appraisal, or, in some cases, both parties must agree, depending on the policy terms. Please review your policy and the appraisal clause to confirm requirements.
The appraisal process generally follows these steps:
Each party selects a competent, unbiased appraiser.
The two appraisers select a neutral umpire.
The panel evaluates the amount of loss.
If the appraisers cannot agree, the neutral umpire is engaged. The amount of loss is then established when any two of the three participants (the two appraisers and the umpire) agree.
Appraisal determines valuation only. Questions of coverage, policy interpretation, or legal disputes are outside the authority of the appraisal panel.
When Appraisal May Be Appropriate
Appraisal can be considered when:
Coverage is acknowledged, but the parties disagree on the amount of loss
Competing estimates show a significant gap
Negotiations have stalled
Both parties seek an efficient, policy-driven resolution
The process is often faster and more cost-effective than litigation while preserving the contractual framework of the policy.
Our Approach
NADR approaches each assignment with neutrality, technical expertise, and disciplined process management. We:
Review policy language relevant to appraisal
Evaluate all documentation, estimates, and supporting materials
Conduct thorough site inspections when appropriate
Apply industry-standard pricing and methodology
Clearly document all findings and calculations
Our objective is not to advocate for a predetermined outcome, but to ensure the amount of loss reflects a fair and defensible valuation.
WHO WE SERVE
Property Owners
At NADR, we understand that your home is one of your most valuable investments. Experiencing property damage can be stressful, and navigating the insurance appraisal process can feel overwhelming. Our team is here to help you understand the process, review the applicable policy provisions, and develop a well-supported valuation of the amount of loss. Our commitment is to provide a fair, accurate, and professional appraisal in accordance with the terms of your insurance policy.
Businesses
Whether you own a small business or manage a large commercial property portfolio, NADR understands the importance of protecting your investment and minimizing business disruption following a property loss. Our team guides you through the appraisal process, develops a well-supported valuation of the amount of loss, and works to keep the process as efficient and organized as possible. Our goal is to provide a fair, accurate, and professional appraisal in accordance with the terms of the insurance policy, allowing you to remain focused on your business operations.
Insurance Carriers
NADR works with insurance carriers to resolve disputes regarding the amount of loss through the appraisal process when provided for under the insurance policy. Our team delivers objective, well-supported valuations and conducts the appraisal process professionally, efficiently, and in accordance with the policy's appraisal provisions. Appraisal can provide an effective alternative to litigation for resolving amount-of-loss disputes.
GEOGRAPHIES
At NADR, we provide nationwide property appraisal services, with extensive experience serving regions frequently impacted by severe weather, including coastal and hurricane-prone areas. Our team understands the unique challenges these losses can present and is committed to delivering thorough, well-supported appraisals in accordance with the insurance policy.
Our primary service areas include, but are not limited to, Alabama, Colorado, Georgia, Florida, Indiana, Louisiana, Minnesota, North Carolina, South Carolina, and Texas.
TYPES OF CLAIMS
Severe weather, such as hailstorms, can cause extensive damage to your property. It's important to have your property inspected promptly after a hailstorm.
Hail
Most homeowners' insurance policies do not cover flood damage. It's crucial to ensure you have flood insurance to protect yourself from potential losses.
Flood
The significant loss from a fire means the insurance company's payout must adequately cover your losses. Consider not accepting their initial offer; NADR can negotiate to a satisfactory outcome.
Fire
Storms are becoming increasingly powerful and destructive. Ensure your insurance policy covers potential damage and take precautions to protect your property.
Storm
MEET THE TEAM
Darby Day oversees operations, assignment coordination, marketing, and administrative functions for NADR. With more than 20 years of experience in the property insurance industry, she has extensive expertise in claims operations, business development, recruiting, and process improvement. Throughout her career, Darby has worked closely with insurance carriers, independent adjusting firms, and industry leaders to develop efficient operational strategies and support property claims nationwide.
Darby Day
Founder & Owner
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