Precision. Integrity. Results.
At Bluegrass Damage Appraisal, we specialize in delivering prompt, accurate, and unbiased damage assessments tailored to the specific needs of carriers. With deep regional expertise and a commitment to customer service, we serve as a trusted partner in the claims process—helping you move from damage to resolution with confidence and clarity.
Independent Adjusting & Appraisal Services You Can Trust
At Bluegrass Damage Appraisal, we provide accurate, timely, and professional property, equipment, and specialty claims services. Our team of expert adjusters ensures precise assessments, helping insurance carriers, attorneys, and private clients make informed decisions.
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Why Choose Bluegrass Damage Appraisal?
- Accurate, detailed estimates and reports
- Quick turnaround times
- Professional, experienced adjusters and appraisers
- Reliable communication
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Residential & Commercial Property
From residential homes to commercial buildings, we conduct thorough and unbiased property damage assessments. Whether it’s storm damage, fire loss, or structural issues, our reports provide the clarity and detail needed for fair settlements.
Equipment & Machinery
We specialize in appraising high-value, heavy-duty equipment with the same attention to detail we bring to any claim. Whether it’s a damaged excavator, a seized generator, or a total loss combine, we provide expert, unbiased assessments built for fast claim resolution and accurate repair validation.
Commercial Truck & Trailer
Commercial vehicles are the backbone of business operations, and when accidents or damages occur, accurate appraisals are critical for claims resolution. We provide comprehensive damage evaluations for trucks, trailers, and fleet vehicles, ensuring proper valuation for repair or total loss settlements.
Recreational Vehicle
We bring specialized knowledge and hands-on experience to the complex world of RV damage claims. Recreational vehicles combine structural, automotive, electrical, and residential systems — which means a thorough and accurate assessment requires a multi-disciplinary approach. That’s where we come in.
ATV/UTV
Off-road vehicles are an investment, and when they are involved in accidents, theft, or natural disasters, accurate appraisals are essential for fair claim settlements. We provide thorough damage evaluations for All-Terrain Vehicles (ATVs) and Utility Task Vehicles (UTVs) used in both recreational and commercial settings.
Marine
We understand the unique challenges of handling marine claims. Boats and personal watercraft are complex assets — combining structural, mechanical, electrical, and cosmetic components — all exposed to the harsh conditions of water, sun, and weather. We provide thorough, unbiased evaluations to help carriers and owners navigate the claims process with clarity and confidence.
Independently Owned. Fully Committed. A Comprehensive Claims Solution.
Unlike firms backed by private equity, we are independently owned and focused on delivering the best service for our clients. Each of our IAs brings more than a decade of combined claims handling experience, ensuring a comprehensive and expert approach to every claim.
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Cody Underwood
Founder/Adjuster
Cody is the founder and driving force behind Bluegrass Damage Appraisal, an independent adjusting firm committed to delivering accurate, efficient, and unbiased damage assessments. With a deep background in property, equipment, and specialty claims, he has built a reputation for precision, integrity, and strong negotiation skills—ensuring fair outcomes for insurance carriers, attorneys, and private clients alike.
A seasoned professional, Cody has worked across various industries, mastering the nuances of damage evaluation, claim resolution, and risk assessment. His meticulous approach—balancing big-picture strategy with obsessive attention to detail—sets him apart in the field. He takes pride in leveraging cutting-edge technology and industry best practices to deliver thorough, well-documented appraisals with quick turnaround times.
Beyond his technical expertise, Cody is a negotiator at heart, known for his ability to find solutions, close deals, and advocate for fair resolutions. His passion for autonomy and continuous learning has driven him to refine his craft, always staying ahead of industry trends.
When he’s not in the field or managing claims, he enjoys traveling, cycling, hunting, fishing, studying markets, and spending quality time with his wife and beagle. A dedicated professional with an unshakable work ethic, Cody leads Bluegrass Damage Appraisal with the same grit, honesty, and determination that define his career.
Rachel Underwood
VP of Administration
David Rose
Multi-Line Independent Appraiser
Jacob Altman
Multi-Line Independent Adjuster
Zachary Burba
Multi-Line Independent Adjuster
Trenton Harter
Multi-Line Independent Adjuster
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