Ironclad Assessment Group

08/19/2026

If part of your roof was damaged in a storm and your insurer agrees it's covered, one question can still be open: does the repair mean patching the damaged section, or replacing the whole roof so it matches. Two things are tangled together there. One is what the repair involves and what it costs, and most property policies contain a way to settle that. It's called the appraisal clause. Each side chooses an independent appraiser, an umpire is there to break a tie, and a signed written award sets the amount. The other is whether your policy requires a reasonably uniform appearance, which is a question about your policy language and not something an appraiser decides for you. Ironclad serves as a neutral appraiser or umpire in that process, not a public adjuster. We don't adjust, negotiate, interpret your policy, or settle your claim, and nothing here is legal advice. Glad to be a local resource on how it works.

More on how the whole process runs:

The whole property insurance appraisal process in Ohio, from sorting out which disagreement you're having through the award, with each stage explained.

08/18/2026

Depreciation is the quiet variable in a lot of claim disputes. It's the amount taken off a new-replacement price for age and wear. On a replacement-cost policy it's often recoverable after repairs are completed and documented. When only the depreciation is in question, that's an amount-of-loss issue, and there's a process built to settle it.

08/12/2026

When a storm damages a roof or siding and the insurance company agrees the loss is covered, one thing can still be unsettled: what the repair is worth. Two estimates on the same house can land far apart because of how the surfaces were measured, what work the repair carries with it, and what materials and labor cost here right now. Most property policies already contain a way to settle that difference. It's called the appraisal clause: each side chooses an independent appraiser, an umpire is there to break a tie, and a signed written award sets the amount. Ironclad serves as a neutral appraiser or umpire in that process, not a public adjuster. We don't adjust, negotiate, interpret your policy, or settle your claim, and nothing here is legal advice. Glad to be a local resource on how it works.

More on how the appraisal clause works:

What is the insurance appraisal clause, and how does it work? A plain explanation of the process that settles the amount of a covered loss, not coverage.

08/11/2026

RCV and ACV sit behind a lot of claim disputes. Replacement Cost Value is the cost to replace the damage new. Actual Cash Value is that minus depreciation. The gap can be big, and which one applies is often the real question.

08/05/2026

Here's a question worth answering plainly: if your insurance company agrees your damage is covered but the two of you disagree on what the repair should cost, how does that ever get resolved? Most property policies already contain the answer. The appraisal clause sets out a process with a real finish, where each side chooses an independent appraiser, an umpire is there to break a tie, and a signed written award sets the amount. No lawsuit is required to resolve a number. Ironclad serves as a neutral appraiser or umpire in that process, not a public adjuster. We don't adjust, negotiate, interpret your policy, or settle your claim, and nothing here is legal advice.

More on how the process finishes:

What is an appraisal umpire, and when is one needed? The neutral third party brought in when two party-appointed appraisers can't agree on the amount.

08/04/2026

Why does a disinterested appraiser matter? Because a number nobody paid for is a number that holds up. Our fee is set in writing before the engagement begins and never depends on the size of the award, so the figure can't be called tilted.

07/29/2026

Central Ohio business owners, here's something worth knowing about your commercial property policy. It almost certainly includes the same appraisal clause found in home policies, and it exists for one situation: the insurer agrees a loss to your building is covered, but the two of you disagree on what the repair is actually worth. The clause sets out a defined process for settling that number, with each side choosing an independent appraiser and a clear finish built in. Ironclad serves as a neutral appraiser or umpire in that process, not a public adjuster, and nothing here is legal advice. We're glad to be a local resource on how it works, no pressure and no jargon.

More on how the appraisal clause works:

A plain-English explanation of the property insurance appraisal clause: what it is, how the process works, and how it resolves a dispute over the amount of loss, not coverage.

07/28/2026

Worth knowing: appraisal settles how much a covered loss is worth, not whether it's covered. Those are two different disputes. Know which one you're in before you pick a path.

07/25/2026

A loss valuation is only as good as the person pricing the damage. Getting the number right means knowing what the repair actually costs. Real work, not a desk estimate.

07/22/2026

Here's a part of your homeowner's policy most central Ohio folks have never read: the appraisal clause. It's a short paragraph, and it exists for one specific situation. Your insurance company agrees a loss is covered, but you and they disagree on what the repair is actually worth. The clause lays out defined steps for settling that number, with each side choosing an independent appraiser and a clear finish built in, so the disagreement doesn't just drag on. We're here as a local resource on how that process works. No pressure and no jargon.

More on how the appraisal clause works:

A plain-English explanation of the property insurance appraisal clause: what it is, how the process works, and how it resolves a dispute over the amount of loss, not coverage.