DAMAGE APPRAISALS

Downer & Associates provides Damage Appraisals for Automobiles, Motorcycles, Snowmobiles, All-Terrain Vehicles, and Mobile Trailers. The Appraiser will determine the repair costs, the actual cash value of the property just prior to the loss, and the salvage value. The cause of the loss is determined and any necessary statements are taken. A preliminary report is sent by FAX immediately; a comprehensive report follows, with photographs of all damages (detailed for court applications). Our appraisers monitor all stages of the repair to ensure the Insured's satisfaction. Downer& Associates offers prompt (same day) service and competitive rates. Our expertise is made available to Adjusters and Brokers through our consulting services. We can assist in the claims handling process of many Adjusters.

We also have a separate Marine Division, Marine Insurance Services, handling Marine Losses for Pleasure and Small Commercial Craft, Personal Watercraft, and Marine Cargo.