As a commercial property and casualty insurance advisor specializing in Condominiums and Manufactured Housing Communities I am virtually always confronted with the need to obtain accurate building insurable values. Unfortunately, this was always a challenging task. Very few appraisers, and I have dealt with many in my 40-year career, have the slightest idea what the “Law and Ordinance” (code upgrade) exclusion is, much less how to calculate accurate figures for it. After years of arguing with appraisers and searching for someone who was familiar with this critical issue, I was most fortunate to connect with Patricia Staebler. Patricia is not only the finest, most thorough appraiser with whom I have worked, but her unique value is as an experienced State of Florida licensed property insurance claims adjuster. She is thoroughly familiar with the actual coverage in the property policies, and will tailor her appraisals accordingly. I am not aware of any other appraiser with this critical background.
When I recommend Patricia to my clients, I can feel comfortable that they will be receiving a quality product with which I can make both them and myself feel comfortable and secure.Pat Carlisle, CIC, Senior Vice President , HUB International Florida
The hazard appraisal stands at the center of every quality insurance program, ultimately responsible for the accuracy and efficacy of property coverage. In an arena such as Florida where property perils are a very real possibility and stakes so high, Staebler Appraisal and Consulting happens to win best in class. Hazard appraisals are essential to mitigate possible financial exposures due to cover gaps such as underinsurance and co-insurance penalty risk, as well as the avoidance of possible over payment due to unnecessary limit overages.
When presented with a Staebler appraisal reports, you will find a level of depth and attention to detail highly regarded among top professionals, coupled with an ease of use, which successfully translates information to persons outside the insurance industry.
Additionally, with Ordinance of Law exposure being among the largest and most often overlooked coverage gaps a commercial insured unknowingly faces, attempts to quantify the actual risk are difficult at best. Staebler Consulting offers Ordinance of Law appraisals, which take the guess work out of the equation for the client and risk professional, allowing for an accurate discussion and assessment of the potential risk at hand given a loss. This is an essential tool to have when developing a comprehensive insurance program, and proof positive that Staebler Consulting is an ever-evolving partner you can trust.
John C. Marchisi, CLCS, BB&T Insurance Services, Inc., Lakewood Ranch
Working with Patricia Staebler has always been a welcomed opportunity, as she is extremely professional and very informative. As a new manager, Patricia has provided my communities and I priceless education and reports we can understand. Her ability to ease the board and managers through a process of information gathering is appreciated and the reports provided in the end are organized and readable.Shannon M. Banks, CAM Lighthouse Property Management
Patricia is an excellent resource for both insurance appraisals and reserve studies. She used invoices and proposals we had on hand as well as local resources she had available to more accurately paint a picture of our asset values. Using local repair costs as opposed to regional or national cost, as was done in the past, helped our community keep estimated cost down and more accurately prepare to meet and fund our future goals. Patricia is right there, whenever anyone on our executive team had a question, she responded right away. We are so glad we found Staebler Appraisal and Consulting.Jane Jarlenski, CMCA, AMS, PCAM, Americana Cove
I have used Staebler Appraisal and Consulting for many Reserve Studies and Insurance Appraisals. They have always been professional, accurate, detail oriented and reliable. I highly recommend their services!Laura Howell, CMCA, Property Manager, Covered Bridge Estates
It has been a genuine pleasure and a privilege to be a part of Patricia’s growth as an appraiser. Her’s is a great story of perseverance, dedication and integrity, and a commitment to doing it the right way.Robert Dunham, MAI, SRA
Our insurance rate increased in excess of 100% in 24 months, escalating replacement cost values in a crashing real estate market. With very short notice, Patricia Staebler and her associates were on site conducting an in-depth evaluation. In addition, they took the extra time to meet with the building’s developer to ensure they understood every nuance of the construction methods. After their analysis, they delivered a professional, fully documented and illustrated appraisal document to the Association’s Board in an extraordinary time frame. The first year insurance savings to the Association was in excess of $27,000! If you demand the service of a world class organization that delivers what they promise, on time and professionally packaged, choose Staebler Appraisal and Consulting.Ric Burton, Association Treasurer, Tierra Verde, Florida
I found your appraisals to be very detailed and accurate. Your appraisals are considerably better than what I have received in the past from other appraisers. Your appraisals have literally saved thousands of dollars for my associations. Thanks so much for a job well done.James M. Faix, CMCA, AMS, PCAM, President, Polaris Property Management, Inc.
Ms. Staebler has completed three appraisals for our timeshare resorts. She was very efficient, timely and thorough. I would highly recommend her.Sharon Cunningham, President Cunningham Property Management Corp.
I would like to thank you for the fine job you did for us at Charlotte Square. Not only were we impressed with the quality of your appraisal, but also the turnaround time was amazing.Bob Mohrbacher, Charlotte Square Condominium Association, Port Charlotte
I received your appraisal and commend you on a most thorough and comprehensive report. I have read many appraisals over my years as a real estate developer and find yours to be among the most professional. Thank you for your prompt attention to our request. We will look forward to using your services again as needed.Bob Danziger, President, Longboat Sandpipers Condo Association
I wanted to tell you how impressed I am with your insurance appraisal and also your credentials. This is a very thorough report and I am proud to present this to the Board of Directors at Summer Lakes.Judie Littell, LCAM, Progressive Community Management
Patricia, your appraisals are the absolute best! And your knowledge is second to none! I am honored to be working with you.Jim Cirillo Jr., Alliance Insurance Sarasota