A disputed file lands on JDR’s desk from a claims director, a coverage attorney, or a TPA vendor manager. We talk through it on the phone — the dispute, the file, the realistic outcomes. If the engagement makes sense, Lane assigns the right appraiser and the work starts. If it doesn’t, we say so on the call.

What comes back is the number the file supports, and a full report showing how we got there.

What’s in every JDR report:

• Scope and methodology: We document the scope of loss line by line, tied to the cause of loss and the policy language. Every line item is supported by the underlying observation, the code reference, or the policy provision — not general assertion.
• Photo documentation and calculations: Site photos, measurements, and the math behind the number. If the file goes to umpire or to court, the record is already built. No scrambling to reconstruct after the fact.
• Basis for every line item: Unit pricing tied to Xactimate or market comps. Depreciation methodology stated. Adjustments explained. An umpire, a policyholder’s attorney, or a judge can follow the reasoning without asking a follow-up question.