Appraisal
Appointed under a policy's appraisal provision to determine the amount of loss. Scope reconciliation, line-item review of competing estimates, and a documented position for the panel.
Property insurance appraisal · Umpire · Loss estimating
When the amount of loss is in dispute, the documentation decides it.
Ledger Claims Group provides appraisal, umpire, and independent loss-estimating services for large and complex property losses across Oklahoma and the surrounding region.
Qualifications
DesignationsAINS · AIC · CPAU
Licensed adjuster13 states
Catastrophe field workSince 2017
Based inArdmore, OK
Services
Four ways we help resolve a disputed claim
Each engagement starts with a conflict check and ends with a written, line-item record that can stand up to scrutiny.
Umpire
A neutral umpire for appraisal panels that can't reach agreement, whether selected by both appraisers or appointed by a court. Impartial review of the items in dispute.
Loss estimating
Independent Xactimate estimates and estimate reviews for attorneys, appraisal panels, and claims professionals — built to hold up line by line.
Expert witness
Opinions on scope, pricing, and estimating practice for property insurance litigation, from someone who writes and reviews these estimates in the field.
Perils
Fire · Water · Flood · Wind · Hail · Tornado · Lightning · Freeze
Claim types
Residential · Commercial · Farm & ranch · Inland marine
Clients
Who we work with
Attorneys
Independent estimates, estimate reviews, and expert opinions for property insurance litigation.
Appraisers
Umpire service and estimate reconciliation when a panel can't reach agreement.
Carriers & TPAs
Appraisal appointments and independent loss estimates on disputed files.
Property owners
Appraisal appointments when you and your insurer disagree on the amount of loss.
Process
How an engagement runs
Appraisal settles the amount of loss. Coverage and causation questions stay with the parties and, where needed, the courts. Keeping that line clear is what makes an award hold.
- Step 1
Conflict check and engagement
Review of the parties, the policy's appraisal language, and the disputed amount before any appointment is accepted.
- Step 2
Inspection and documentation
On-site inspection with photo, measurement, and scope documentation tied to every line that will be argued.
- Step 3
Estimate reconciliation
Side-by-side comparison of competing estimates — scope, quantities, pricing, and code items — to isolate exactly where they differ.
- Step 4
Award or written opinion
A signed award, umpire decision, or expert report, with the supporting record kept intact for anyone who reviews it later.
About
Sean Dobson, founder
Sean is an independent insurance adjuster, appraiser, and umpire who has worked property claims in the field since 2017. His experience includes major catastrophe deployments for severe weather and daily claims involving many different perils including tornados, hail, wind, water, flood, fire, lightning, theft, vandalism, vehicles, and freeze. His files span residential, commercial, farm and ranch, inland marine, business interruption, and large-loss claims.
Before claims work, he spent years investing in and remodeling residential and commercial real estate, owned and operated a real estate brokerage, and worked in financial services — a background that shows up in how he builds and checks a number.
- CPAU
- Certified Appraiser/Umpire, IAUA
- AIC
- Associate in Claims
- AINS
- Associate in General Insurance
Licensed adjuster in
AL · AR · FL · GA · IN · KY · LA · MN · MS · NC · OK · SC · TX
Contact
Discuss an assignment
Attorneys, appraisers, carriers, and property owners are welcome to reach out. Share the basics and you'll hear back within one business day.