Expert Estimating for
Property Claims

Wieneke Group provides accurate, well-documented property damage estimates for insurers, policyholders, attorneys, and independent adjusters. With expertise across multiple estimating platforms and decades of field experience, our estimates hold up under scrutiny — in appraisal, litigation, or mediation.

What We Provide

• Comparable estimates for disputed or complex property claims
• Damage scope evaluations for residential and commercial properties
• Risk inspections and condition reports
• Supplement review and line-item analysis
• Expert documentation supporting coverage positions

Estimating Platforms

Our estimates are produced using the industry's most widely accepted software systems, ensuring compatibility with carrier workflows and appraisal requirements:

Who We Serve

• Insurance carriers and third-party administrators
• Policyholders and public adjusters
• Attorneys handling property coverage disputes
• Independent adjusting firms

Impartial Resolution of
Value Disputes

When insurers and policyholders disagree on the amount of a loss, the appraisal process provides a structured, neutral mechanism for resolution. Wieneke Group serves as both an appraiser and a neutral umpire, bringing deep technical knowledge and professional impartiality to every dispute.

Appraisal Services

• Property appraisal for disputed insurance claims
• Liability appraisal and damage valuation
• Appraisal panel representation for carriers or policyholders
• Preparation of appraisal awards and supporting documentation
• Expert review of opposing appraisal positions

Umpire Services

When two appraisers cannot agree, a neutral umpire is called upon to resolve the dispute. Timothy Wieneke serves as a qualified, impartial umpire with the legal training and technical expertise to evaluate competing positions fairly and render well-reasoned awards.

• Neutral umpire for residential and commercial property disputes
• Review and analysis of both parties' appraisal submissions
• Independent site inspections as needed
• Timely, well-documented appraisal awards

Property Claims, Surety &
Building Consulting Expert

Timothy Wieneke brings over 25 years of hands-on experience in property and casualty claims handling, forensic estimating, building consulting, and surety investigations to every expert engagement. With a Juris Doctorate from Stetson University College of Law, advanced insurance designations, and a record of deposition and trial testimony across residential and commercial property disputes, Timothy provides well-credentialed, defensible opinions that hold up under cross-examination.

Timothy has handled claims in excess of $20 million in size, served on appraisal teams facing initial demands exceeding $25 million, and has experience with high-profile structures including Hancock Tower and Navy Pier in Chicago. His forensic estimating and building consulting background — including work at Forcon International and Intertek / Architectural Testing, Inc. — gives him a unique ability to reconstruct historical scopes and costs at a past date of loss as well as current conditions.

Property Claims — Expert Services

• Expert witness testimony at deposition and trial
• Extent of damages and cost estimating opinions
• Coverage analysis and claims handling standards
• Causation analysis — wind, water, fire, and construction defect
• Constructive total loss and measure of damages
• Scope analysis and estimate review
• Historical scope and cost reconstruction for past dates of loss
• Business interruption and ALE/Loss of Rent evaluations
• Concurrent causation analysis
• ITV evaluations

Surety — Expert Services

• Forensic surety investigations on residential and commercial properties
• Construction cost estimating and scope analysis in surety disputes
• Contractor bid review and repair proposal analysis
• Dispute resolution consulting and recommendations
• Destructive testing attendance and documentation

Who We Serve

• Insurance carriers and claims departments
• Third-Party Administrators (TPAs)
• Managing General Agencies (MGAs)
• Independent insurance adjusting firms
• Insurance defense law firms
• Surety companies and their counsel

Selected Deposition & Trial Experience

Timothy has provided deposition and expert testimony in the following matters, among others:

• Fountains at Fontainbleau v. Heritage Property & Casualty Insurance Co. — Miami-Dade County, FL (2025) — Extent of damages and estimate
• Rocky Patel Premium Cigars, Inc. v. Brian Treece et al. — Collier County, FL (2025) — Construction/design defect and extent of damages
• Decks N Such Marine, Inc. v. Heritage Property & Casualty Insurance Co. — Okaloosa County, FL (2022) — Extent of damages and estimate
• Pebblebrook at Verandah Condominium Association v. Heritage Property & Casualty Insurance Co. — Lee County, FL (2022) — Extent of damages and estimate
• Tara Churchill v. UPC Insurance — Hillsborough County, FL (2022) — Causation by wind and extent of damages

Selected Presentations

• WIND 2025: "Court Appointment of Umpire and Alternatives" — Faculty Presenter, Dallas TX
• Stetson University College of Law: "Sebo and Concurrent Causation Theory" — Guest Lecturer (2021, 2024)
• WIND 2022: "Collapse and Substantial Structural Damage" — Faculty Presenter, Orlando FL
• WIND 2021: "Avoiding the Numbers Game. Calculating the Loss." — Lead Faculty Panel Presenter
• WIND 2020: "Constructive Total Loss and Measure of Damages" — Faculty Panel Presenter, Orlando FL

AI Consulting &
Fractional AI Governance

As the insurance industry accelerates its adoption of artificial intelligence in claims handling, the organizations that deploy AI responsibly will be the ones that manage risk, maintain regulatory standing, and earn the trust of policyholders and courts alike. Timothy Wieneke provides fractional AI governance services specifically designed for insurance claims operations — bringing the technical knowledge of a certified AI Governance Professional (AIGP) together with over two decades of claims expertise.

What We Provide

• AI governance framework development for claims departments
• Policy and procedure drafting for AI-assisted claims handling
• Responsible AI implementation consulting for carriers, TPAs, and MGAs
• AI risk assessment and audit support
• Regulatory compliance guidance — including NIST AI RMF and emerging state AI insurance regulations
• Fractional Chief AI Officer (CAIO) engagement for insurance organizations
• Staff training and AI literacy programs for claims professionals

AI Subject Matter Expert
for Claims Disputes

The use of AI in claims handling creates a new and rapidly evolving category of legal exposure. When AI tools influence claim outcomes — through automated denials, algorithmic reserving, predictive modeling, or AI-assisted coverage decisions — carriers, TPAs, and adjusting firms face heightened scrutiny for extra-contractual damages. Timothy Wieneke serves as a subject matter expert and consultant for legal counsel navigating these emerging exposures.

This AI-specific SME work complements Timothy's broader Property Claims & Building Consulting Expert services in property claims and surety.

AI Exposure Areas

• Bad faith claims arising from AI-driven claim denials or underpayments
• Unfair claims practices and violations of state claims handling regulations
• Noncompliance with emerging AI transparency and accountability requirements
• Algorithmic bias and discriminatory outcomes in claims processing
• Failure to properly supervise or override AI recommendations
• Extra-contractual damages exposure in AI-influenced claim decisions