The umpire's role
Under a typical appraisal clause, the two appraisers choose an umpire. If they cannot agree on one, either side may ask a court to appoint one. The umpire's job is to resolve the specific items the appraisers could not agree on. An award signed by the umpire and either appraiser sets the amount of loss.
How we work as an umpire
- Disclosure first. Before accepting, we disclose any prior contact with the parties, appraisers or property.
- Clear ground rules. We set out how submissions, site visits and communications will work, so both sides are treated equally.
- Focus on the disputed items. We review what the appraisers have already agreed and concentrate on what remains.
- Written, itemized award. The award states the amount for each disputed item, separating replacement cost and actual cash value where needed.
Who uses umpire services
Appraisers representing policyholders, appraisers representing carriers, and courts appointing umpires. We accept umpire appointments only on claims where we have had no other role.
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.
Can the umpire decide coverage?
Generally no. The umpire resolves differences on the amount of loss for the items submitted.
What if the appraisers cannot agree on an umpire?
Many policies allow either party to ask a court in the state where the property is located to appoint one.