Objective, defensible property damage evaluations — delivered with integrity.
TLC Claims Solutions, LLC provides insurance appraisal, neutral umpire services, independent adjusting, and Xactimate estimating across Colorado, Arizona, New Mexico, and nationwide catastrophe deployments.
Experience, integrity, and technical rigor.
TLC Claims Solutions, LLC is a property insurance consulting firm focused on fair, well-supported outcomes for every stakeholder in the claim.
TLC Claims Solutions, LLC
We provide professional property insurance appraisal, umpire, independent adjusting, and estimating services for residential and commercial property claims. We specialize in objective claim evaluations, accurate Xactimate estimates, and fair dispute resolution involving water, fire, wind, hail, theft, vandalism, and catastrophe losses.
We work with insurance carriers, independent adjusting firms, attorneys, restoration contractors, and policyholders — delivering timely, professional service built on experience, integrity, and technical expertise.
Lisa Hoga
With over nine years handling residential and commercial property claims, Lisa brings deep field experience and a reputation for fair, defensible evaluations across every loss type.
Licensed in multiple states and Xactimate Level 3 certified, she is a trusted resource for carriers, law firms, and restoration partners.
- Xactimate Level 3 Certified
- Symbility Experienced
- Licensed in Colorado
- Licensed in Arizona
- Licensed in New Mexico
- CAT Deployment Ready
- 9+ Years Experience
- Independent & Objective
- Residential & Commercial
Certified expertise, field-tested judgment.
Nine-plus years of hands-on claims work backed by industry-standard certifications and catastrophe deployment experience.
Xactimate Level 2
CertifiedAdvanced proficiency in the industry's leading estimating platform for defensible scope and pricing.
Symbility
ExperiencedFluent in Symbility estimating software for accurate cross-platform estimates and reviews.
CAT Deployment
ReadyNationwide catastrophe response capability with rapid mobilization and structured field workflows.
Full-scope property claim services.
From first inspection to final award — a single, experienced resource for appraisal, umpire, adjusting, and estimating.
Insurance Appraisal
Representation under the appraisal clause to resolve disputed property loss amounts with objective, well-documented analysis carriers and policyholders can rely on.
Neutral Umpire
Impartial umpire services that break appraisal deadlocks with clear reasoning, thorough review of both positions, and a defensible written award.
Independent Field Adjusting
On-site inspections, scope development, and detailed loss documentation for carriers and IA firms across daily assignments and catastrophe deployments.
Estimate Preparation & Review
Accurate Xactimate and Symbility estimates plus independent third-party review to validate scope, pricing, and repair methodology on every file.
Claim Consulting
Strategic guidance on complex claims, coverage questions, and scope disputes — helping teams move files forward with confidence and clarity.
Dispute Resolution
Pre-litigation support, mediation, and settlement negotiation designed to resolve conflicts efficiently and preserve working relationships between parties.
A clear, structured appraisal process.
Every assignment follows a documented workflow so all parties know what to expect and when.
Assignment & Review
Review the policy appraisal clause, prior estimates, photos, and any expert reports to frame the disputed scope.
Independent Inspection
Thorough on-site inspection with detailed documentation of scope, materials, damages, and repair methodology.
Estimate & Negotiation
Prepare an accurate, well-supported Xactimate estimate and confer with the opposing appraiser to narrow differences.
Award or Umpire
Sign a joint award where possible, or submit clearly-reasoned position statements for the umpire's decision.
Neutral. Reasoned. Defensible.
Serving as an impartial umpire, TLC Claims Solutions reviews both appraisers' positions, evaluates supporting evidence, and issues a clearly-written award grounded in policy language and industry-standard repair practices — helping parties bring contested claims to a fair, final resolution.
Daily claims and CAT deployments.
Field-ready coverage for carriers and IA firms — from single-loss assignments to large-scale catastrophe response.
Primary Coverage Area
Residential and commercial claims throughout Colorado, Arizona, and New Mexico with prompt scheduling and turnaround.
Nationwide CAT Response
Available for catastrophe deployments across the United States with rapid mobilization, structured file management, and consistent quality on high-volume events.
Trusted by carriers, counsel, and contractors.
“Detailed, well-supported estimates and a professional approach in appraisal.”
Claims ManagerRegional Insurance Carrier“Lisa's umpire award was thorough, reasoned, and grounded in the policy.”
PartnerProperty Insurance Law Firm“Fast turnaround, accurate scope, and fair resolution — a resource we rely on.”
Operations DirectorRestoration Contractor“Rigor and integrity that's rare in this industry. Her reports hold up every time.”
Senior AdjusterNational Carrier“Clear scope, defensible pricing, and zero drama. A contentious appraisal made routine.”
General CounselPublic Adjusting Firm“Responsive, knowledgeable, and always prepared. Our first call on complex losses.”
Claims SupervisorCommercial Insurer“Meticulously documented umpire decisions. Both sides understand the outcome.”
Managing AttorneyFirst-Party Coverage Practice“Accurate line items and realistic pricing our team could actually rebuild from.”
Project ManagerGeneral Contractor
Answers before you ask.
Let's discuss your claim.
Insurers, attorneys, contractors, and policyholders — start the conversation with a licensed appraiser and umpire trusted across the West and nationwide CAT deployments.