Most appraisal clauses say the two appraisers will choose a competent and impartial umpire. If they can’t agree on one, either side can usually ask a court to appoint one. A good umpire keeps the process efficient, decides only what the appraisers couldn’t resolve and explains the basis of the decision.
How we work as umpire
- Disclosure first. Before accepting, we disclose any prior contact with either appraiser, the carrier or the policyholder.
- Clear submissions. We ask both appraisers for their estimates, a list of agreed and disputed items, and supporting photos and documents.
- Inspection when needed. We inspect the property when the disputed items need it, usually with both appraisers present.
- Item-by-item decisions. We decide each disputed line and note the basis, so the award can be followed.
- Award format. We prepare an award form that separates replacement cost, depreciation and actual cash value where the policy calls for it.
When we decline
If we’ve recently served as an appraiser for either party, or have any interest in the outcome, we decline the appointment. Impartiality is the job.
Fees
Umpire fees are quoted in writing up front, typically hourly, and are usually split equally between the parties under the policy.
Frequently asked questions
Can a policyholder hire you as umpire directly?
An umpire is selected by both appraisers or appointed by a court, not by one party. Either appraiser can propose us.
Do you serve as umpire and appraiser on the same claim?
Never. On any claim we serve in one role only.
What if the appraisers agree on everything?
Then no umpire decision is needed. The two appraisers sign the award and the umpire’s role ends.
Related services
Appraisal Clause Representation
We serve as your named appraiser once appraisal is demanded, from the written notice to the signed award.Learn more
Homeowner Claim Appraisal
Independent valuation of disputed homeowner claims, from a single roof slope to a whole-house rebuild.Learn more