Construction-trained property claims adjuster. Field inspections, remote estimating, appraisal, and estimate peer review across Western North Carolina and the Upstate of South Carolina.
Request an Assignment Call (828) 532-4100
Appalachian Claims Experts is owned and operated by Zachary Estrada, an independent property claims adjuster based in Columbus, North Carolina, at the foot of the Blue Ridge.
I came to adjusting from the trades. Fifteen-plus years in construction across HVAC, plumbing, electrical, low voltage, framing, and trim means I read a loss the way a builder does: how it was put together, how it failed, and what it actually takes to put it back.
Since 2017 I have worked claims from every side of the desk: underwriting, claims examination, desk and field adjusting, catastrophe deployment, and large loss fire and freeze. I have handled files for national carriers, deployed on hurricane and winter storm events across the Southeast, and carried reserve and settlement authority on complex and disputed losses.
The result is an estimate you can defend and a report that tells the whole story of the loss. That is what I bring to every assignment.
Daily claims, CAT support, and overflow capacity for carriers and IA firms. Appraisal and review services for policyholders, public adjusters, and contractors.
On-site investigation, photo documentation, moisture mapping, roof and structure inspection, and construction-based causation analysis. Defensible scopes written from what is actually there.
Xactimate estimates, diagrams, and scope built from your photos, measurements, and reports. Fast turnaround for desk adjusters, IA firms, and contractors who need volume handled accurately.
Appraiser services under the policy appraisal clause for disputed property claims. Independent valuation of the loss, backed by trade knowledge and carrier-side experience.
Line-by-line review of contractor, carrier, or public adjuster estimates for scope, pricing, code items, and O&P. Written findings you can take into a negotiation.
Fire, freeze, and storm losses in daily and catastrophe environments. Mitigation scope review, vendor coordination, and file documentation through to settlement.
Coverage analysis, policy interpretation, and clear written reports with first-report and diary follow-through. Experience with HO-3, HO-6, DP, and commercial forms.
Based in Polk County, NC, covering Western North Carolina and the Upstate of South Carolina. Available for CAT deployment across the Southeast.
Representative field and large loss assignments. Claim details and addresses are never shown.
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Zachary Estrada
Independent Adjuster, Owner
Phone: (828) 532-4100
Email: zachary@appalachianclaimsexperts.us
Columbus, NC 28722
Call or text for same-day response on new assignments. CAT deployment availability on request.