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Martin Claims Consultants is a Kentucky based firm providing insurance appraisal and umpire services. We handle property damage disputes under the appraisal clause — bringing a fair, binding resolution without litigation.

MARTIN CLAIMS CONSULTANTS

When the carrier and policyholder disagree on a claim — we settle it.

A CLEAR PATH FROM DISAGREEMENT TO A SIGNED AWARD

How it Works

The appraisal clause exists in almost every property policy, but most homeowners have never heard of it. It's a faster, private alternative to a lawsuit — and one where the policyholder gets to choose who represents them.

​​Appraisal invoked

Either party invokes the appraisal clause in the policy when a dispute over the amount of loss cannot be resolved

Appraisers named

Each party selects a competent, impartial appraiser. Policyholders choose us — carriers appoint their own.

Umpire selected

The appraisers agree on a umpire an experienced, independent claims or construction professional to break any impasse.

Site inspection

We document every elevation, slope, and interior — photographs, measurements, scope lines, and code items

Appraisal award

Once any two of the three sign, the award is binding on both parties. Payment follows per policy terms.

TYPICAL TIMELINE?
30–90 days

RESOLVED WITHOUT COURT?
Almost always

BINDING?
Yes, once signed

For Contractors:

Your estimate is right. Now it needs to be proven.

When the carrier won't pay, we serve as the independent appraiser — documenting the damage and working through the appraisal process to get the scope recognized. You don't lose the job over a disputed estimate.

Your claim deserves a second look.

Free initial review.  Tell us about your claim and we'll reach out within one business day.

Modern Living Room

For Homeowners:

Your carrier's estimate doesn't cover the repair?

You got the check. A reputable contractor said it wasn't nearly enough to put your home back the way it was. The appraisal clause is your remedy — and we're the appraiser in your corner.

Claim Types

No matter the cause of the loss, our team is here to effectively assess the rightful cost of repairs. We understand that property damage comes in many forms—whether it is the visible destruction from fire and wind, or the hidden, progressive issues caused by water and environmental factors. Each type of damage requires a distinct evaluation methodology.

We bring the specialized expertise required to evaluate these diverse damages thoroughly, ensuring that no detail is overlooked and that your final assessment reflects the true scope of recovery.

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- Vandalism & Malicious Mischief 

Vandalism and malicious mischief can be deeply personal and frustrating. We handle your claim with care and persistence to make sure your property is fully restored.

 

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- Contents Damage / Personal Property  

Whether caused by fire, water, or another loss, contents claims can be tedious and overwhelming. We handle them as a standalone service or alongside your property claim to keep the process simple.

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- Water Damage 

Water damage from leaks or burst pipes can cause significant damage that isn’t always surface level. We help ensure your claim covers everything needed to restore your home.

 

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