What an umpire does
An umpire only steps in on the items the two appraisers couldn’t resolve. The umpire reviews each side’s position, the evidence and the property, then joins one appraiser in signing an award, or helps craft a figure both can accept. Two signatures make the award binding on the amount of loss.
How we serve as umpire
- Disclosure first. We disclose any prior relationships with either appraiser, the insurer or the policyholder before accepting.
- Clear procedures. We set out how submissions will be made, whether an inspection is needed and the timeline.
- Item-by-item decisions. We address each disputed line on its merits, with reasons the parties can follow.
- Clean award forms. Replacement cost, actual cash value and depreciation clearly identified.
Impartiality
When we serve as an umpire, we represent neither side. We don’t serve as umpire on files where we have acted, or expect to act, as an appraiser for either party.
Requesting an umpire
Appraisers can contact us with the policy, the appraisal demand, both estimates and a summary of the disputed items. If the appraisers can’t agree on an umpire, many policies allow either party to ask a court to appoint one.
Frequently asked questions
Who pays the umpire?
Most appraisal clauses split the umpire’s fee equally between the policyholder and the insurer. Check your policy.
Does the umpire inspect the property?
Often, yes, especially on larger or complex claims. On simple disputes the umpire may decide from documents and photos.
Can a court pick the umpire?
Many appraisal clauses allow a court in the county where the property is located to appoint an umpire if the appraisers can’t agree.