KARRCPAU Consulting is a property damage consulting firm working the full length of a claim — documenting the damage, pricing the repair, and resolving the disagreement when a carrier and a property owner can't agree on what a loss is worth.
KARRCPAU Consulting, LLC works with homeowners, commercial property owners, contractors, insurance carriers, and attorneys on property damage claims — from the first inspection through appraisal, and, where it comes to that, litigation support.
The firm is led by Don Karr, a licensed all-lines insurance adjuster in Texas and additional states, who brings roughly two decades as an adjuster, appraiser, and umpire alongside fifteen years managing residential and commercial construction projects. That combination is the point: knowing how a building is actually put back together is what makes an estimate defensible.
Because we're engaged by both policyholders and carriers — and selected as neutral umpire by both sides — our work has to hold up to scrutiny from every direction. That standard doesn't change with who signs the engagement letter.
Most clients come to us for one of these and end up needing two or three. They're built to work together: the inspection feeds the estimate, the estimate supports the claim, and the documentation carries through appraisal or litigation without being rebuilt from scratch.
Site inspections, document review, causation analysis, and repair scoping — establishing what was damaged, what caused it, and what it costs to put right.
Appraisal representation for policyholders and carriers, plus umpire services when the two appraisers are unable to reach an agreement on the value of a loss.
Matterport 3D scanning creates a permanent, shareable record of the property — so the condition at the time of loss stays available to everyone on the file.
Well-documented claims that communicate the facts, validate the damage, and support the full scope of repairs required to restore the property.
Independent evaluation, documentation, and expert insight for counsel when a disputed claim moves past appraisal.
Scope, sequencing, and code-compliant repair costs — including estimating and supplements for contractors working the repair.
Plenty of firms will write you an estimate. Fewer can defend it across the table from a carrier's expert, and fewer still have been trusted by both sides of that table.
Most property policies contain an appraisal clause: when the parties disagree on the amount of a loss, each side names an appraiser, and the two appraisers select a neutral umpire. The appraisers work toward an agreed value; whatever they can't agree on goes to the umpire. An agreement signed by any two of the three sets the amount of the loss. It resolves value disputes — not coverage disputes, which stay with the carrier and, if necessary, the courts.
When the disagreement is genuinely about dollars and the gap is wide enough to justify the cost. If the carrier is denying coverage outright, appraisal is usually the wrong tool. Send us the estimates and the denial or payment letter and we'll tell you which situation you're in.
Both, on separate files, and we also serve as the neutral umpire. The engagement determines who we report to; it doesn't change how the property is evaluated.
As early as you can, ideally before repairs begin. Once work starts, the evidence supporting the claim starts disappearing. We do take on files already in dispute, and a supplemental assessment can still shift the outcome — it's just a harder starting point.
The policy, the claim number, access to the property, and any estimates or reports already produced — the carrier's estimate, contractor bids, engineering reports, and photos taken at the time of loss. We'll tell you what's missing after a first pass.
It's a 3D camera system that captures the property as a navigable digital model. For a claim, it means the condition at the time of inspection stays available to everyone — the adjuster, the contractor, opposing counsel — without repeat site visits, and long after repairs have covered the evidence.
Yes. Both, including multi-building commercial files.
We're based in North Texas and work throughout the region. Reach out with the property location and we'll confirm.
KARRCPAU came highly recommended. We have never been through an appraisal process and had hesitation. Don is very…
Don is a consummate professional also a pragmatic and friendly man. It is a pleasure to work with him on any project!
Don did an outstanding job on settling my claim with my insurance company. He was efficient and had excellent…
Don And his team have repeatedly gotten my customers damages paid for through insurance when they wouldn't pay for it I stand behind him 100%
Don and his crew have repeatedly got customers of mine settled through Appraisal for customers for damage is paid…
Mr. Karr, helped with a disputed claim on my roof. He is a very knowledgeable person, and knows the inside and outs of Claims Handling. I Highly Recommend Him.
Don Karr does excellent work. I have hired him on many occasions and would highly recommend him as an independent adjuster.
Exceptional service, expert advice, and personalized solutions—this insurance consulting company truly goes above and beyond!
Verify our rating and standing directly on the Better Business Bureau's site, or read all reviews on Google .
Tell us the property type, the cause of loss, and where the claim stands today. We'll tell you what we'd do next.
We're on site inspecting properties most of the week. Walk-ins are welcome, but a call ahead means someone will be here to meet you.