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About

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Omega Insurance Appraisals

Omega Insurance Appraisal Services founder Toby J. Johnson is an insurance consultant and adjuster with more than twenty years of experience handling complex property insurance claims across twenty-eight states — on behalf of more than seventy insurance companies, including all ten of the largest P&C carriers in the United States.

Licensed as an appraisal umpire by the Iowa Insurance Division and holding both IAUA and P.L.A.N. certifications, Mr. Johnson has served as an appraisal umpire more than 350 times across nineteen states and has been appointed as a neutral umpire by courts in multiple jurisdictions.

He serves on the Board of Directors of the Insurance Appraisal and Umpire Association and is accredited as a Continuing Education provider by the Florida Department of Financial Services for appraisal and umpire certification curriculum. He has been recognized as an expert witness in both state and federal courts.

Court-Appointed. Repeatedly.

In appraisal disputes, when both sides can't agree on a neutral umpire, a judge decides. These are just a few of the courts that have appointed Toby Johnson, from state civil courts to federal district courts, and across multiple states.

"Upon review of same and hearing of testimony, the Court appoints Toby J. Johnson as the new Umpire."

26th Judicial District, Circuit Court of Madison County, Tennessee

"The Court appoints Toby J. Johnson as the umpire to complete the appraisal process in this matter."

U.S. District Court, Western District of North Carolina

"The Court finds Johnson is qualified to render his opinions."

U.S. District Court, Southern District of Alabama

"Toby Johnson has the education, training, subject matter expertise and experience called for in this matter. The Court also finds and concludes that Toby Johnson has indicia of impartiality."

Iowa District Court, Linn County

"His experience aligns most appropriately with the needs of the parties here."

Iowa District Court, Polk County

"IT IS HEREBY ORDERED that based on his experience and qualifications, Defendant's proposed Umpire, Toby J. Johnson, is appointed as Umpire in this matter."

Wyoming District Court, Campbell County

Court-Appointed. Repeatedly.

In appraisal disputes, when both sides can't agree on a neutral umpire, a judge decides. These are just a few of the courts that have appointed Toby Johnson, from state civil courts to federal district courts, and across multiple states.

"Upon review of same and hearing of testimony, the Court appoints Toby J. Johnson as the new Umpire."

26th Judicial District, Circuit Court of Madison County, Tennessee

"The Court finds Johnson is qualified to render his opinions."

U.S. District Court, Southern District of Alabama

"His experience aligns most appropriately with the needs of the parties here."

Iowa District Court, Polk County

"The Court appoints Toby J. Johnson as the umpire to complete the appraisal process in this matter."

U.S. District Court, Western District of North Carolina

"Toby Johnson has the education, training, subject matter expertise and experience called for in this matter. The Court also finds and concludes that Toby Johnson has indicia of impartiality."

Iowa District Court, Linn County

"IT IS HEREBY ORDERED that based on his experience and qualifications, Defendant's proposed Umpire, Toby J. Johnson, is appointed as Umpire in this matter."

Wyoming District Court, Campbell County

Court-Appointed. Repeatedly.

In appraisal disputes, when both sides can't agree on a neutral umpire, a judge decides. These are just a few of the courts that have appointed Toby Johnson, from state civil courts to federal district courts, and across multiple states.

"Upon review of same and hearing of testimony, the Court appoints Toby J. Johnson as the new Umpire."

26th Judicial District, Circuit Court of Madison County, Tennessee

"His experience aligns most appropriately with the needs of the parties here."

Iowa District Court, Polk County

"Toby Johnson has the education, training, subject matter expertise and experience called for in this matter. The Court also finds and concludes that Toby Johnson has indicia of impartiality."

Iowa District Court, Linn County

"The Court finds Johnson is qualified to render his opinions."

U.S. District Court, Southern District of Alabama

"The Court appoints Toby J. Johnson as the umpire to complete the appraisal process in this matter."

U.S. District Court, Western District of North Carolina

"IT IS HEREBY ORDERED that based on his experience and qualifications, Defendant's proposed Umpire, Toby J. Johnson, is appointed as Umpire in this matter."

Wyoming District Court, Campbell County

Services

Your Path to Dispute Resolution

Omega Insurance Appraisals delivers independent appraisal and neutral umpire services for insurance companies, and policyholders resolving property loss valuation disputes with accuracy, integrity, and defensible documentation.

Get Dispute Resolution

Trusted by Both Sides of the Policy

When high value losses proceed to appraisal, we are recommended as party appointed appraisers by insurance adjusters, engineers, contractors, and legal counsel. When an impartial umpire is needed to resolve disputes based on the evidence, we are recommended by professionals and repeatedly entrusted with court appointments.

Trusted by Both Sides of the Policy

When high value losses proceed to appraisal, we are recommended as party appointed appraisers by insurance adjusters, engineers, contractors, and legal counsel. When an impartial umpire is needed to resolve disputes based on the evidence, we are recommended by professionals and repeatedly entrusted with court appointments.

Trusted by Both Sides of the Policy

When high value losses proceed to appraisal, we are recommended as party appointed appraisers by insurance adjusters, engineers, contractors, and legal counsel. When an impartial umpire is needed to resolve disputes based on the evidence, we are recommended by professionals and repeatedly entrusted with court appointments.

Precise Scope & Estimating

Detailed, line item estimates and cost approach valuations built to deliver an accurate, credible, and supportable measure of loss.

Precise Scope & Estimating

Detailed, line item estimates and cost approach valuations built to deliver an accurate, credible, and supportable measure of loss.

Precise Scope & Estimating

Detailed, line item estimates and cost approach valuations built to deliver an accurate, credible, and supportable measure of loss.

Experienced Appraisal Experts

Decades of claims experience. Recognized as experts in state and federal courts. Trusted in complex, high exposure matters exceeding $50 million.

Experienced Appraisal Experts

Decades of claims experience. Recognized as experts in state and federal courts. Trusted in complex, high exposure matters exceeding $50 million.

Experienced Appraisal Experts

Decades of claims experience. Recognized as experts in state and federal courts. Trusted in complex, high exposure matters exceeding $50 million.

Transparent Process & Reporting

Clear documentation and consistent communication so all parties understand the methodology and conclusions.

Transparent Process & Reporting

Clear documentation and consistent communication so all parties understand the methodology and conclusions.

Transparent Process & Reporting

Clear documentation and consistent communication so all parties understand the methodology and conclusions.

Neutral Umpire Services

When two appraisers can't agree, our umpires brings the analytical depth to evaluate competing positions and render defensible decisions that are binding in most jurisdictions.

Neutral Umpire Services

When two appraisers can't agree, our umpires brings the analytical depth to evaluate competing positions and render defensible decisions that are binding in most jurisdictions.

Neutral Umpire Services

When two appraisers can't agree, our umpires brings the analytical depth to evaluate competing positions and render defensible decisions that are binding in most jurisdictions.

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"Striving for excellence through integrity."

At Omega Insurance Appraisal Services, we believe that accurate, impartial valuation is the foundation of fair dispute resolution; regardless of which party engages us.

When your file is with us, you're working with professionals whose credibility depends on the quality of the work, not the identity of the client.

Experience

"The End" for Disputed Insurance Claims

Property Insurance Appraisal Expertise
Trusted by All Sides

Our credibility depends on the quality of our work — not the identity of the client.

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Resolution for Every Dispute

From hurricanes, wildfires, and derechos to complex hail, water, explosion, and terrorism related losses, our team brings experience across the full spectrum of high exposure appraisal matters.

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Image of a flame
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A tornado in a rural area
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A single hail piece against a raining sky
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Soot and smoke
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A tree pushed over by wind, laying on a home
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A floating water droplet
Thorough Loss Documentation
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Appraiser and umpire services nationwide.

Large loss dispute resolution.

Trusted by all sides of the table.

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