The numbers at the heart of this case are substantial. The Sabris, with Norcia’s help, submitted a proof of loss for $4,340,966.19, based on a construction estimate Norcia prepared on April 3, 2024. Chubb, after its own review, valued the loss at $2,570,376.91 and paid that amount less the deductible. The remaining $1,770,589.28 is now in dispute. When the parties couldn’t agree, the appraisal process was triggered, with Norcia still acting as the Sabris’ representative.