What an insurance appraisal umpire does
An umpire is the third member of an appraisal panel. Under typical policy language, the two party-appointed appraisers first try to agree. Anything they can’t settle goes to the umpire, and an award signed by the umpire and either appraiser sets the amount of loss.
A good umpire is impartial, technically fluent and decisive. The parties need someone who can read two estimates, understand why they differ, ask the right questions and explain the decision in a way both sides can follow.
How we serve as umpire
- Conflict check first. We disclose any prior relationship with either appraiser, the carrier or the insured, and we decline when independence is in doubt.
- Clear ground rules. Submission deadlines, inspection scheduling and how ex parte contact is handled are agreed up front.
- Independent inspection when the disputed items require it.
- Item-by-item decisions with short written reasoning so both sides understand the award.
- Award forms that separate replacement cost, depreciation and any coverage items the panel didn’t decide.
Court-appointed umpires
If the appraisers can’t agree on an umpire, many policies let a party ask a court in the county where the property is located to appoint one. We’re available for those appointments where we meet the court’s and the policy’s requirements.
Questions about neutral umpire services
Who pays the umpire?
Most policies split the umpire’s fees equally between the insured and the insurer. The engagement letter should state the rate and how expenses are handled.
Can the umpire consider coverage issues?
Generally no. The panel decides the amount of loss. Coverage questions remain for the parties and, if necessary, a court.
How quickly can you serve as umpire?
Usually within a few weeks of acceptance, depending on the size of the dispute and the inspection schedule.