Umpires / Appraisals
An alternative to resolving your property insurance damage dispute
In most real property damage policies, an appraisal clause allows the parties to demand that both participate in a formal appraisal process when the policy holder and the insurance company cannot agree on the amount of the loss.
While the language of each policy may be different, a neutral Umpire becomes involved in the damage appraisal process.
We can provide experienced and qualified neutral Umpires to work with your appraisers to resolve damage disputes.
Sample policy language
If you and we fail to agree on the actual cash value or, if applicable, replacement cost of your damaged property to settle upon the amount of loss, then either may demand an appraisal of the loss. In this event, you and we will each choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the State where the covered property is located. The appraisers will separately state the actual cash value, the replacement cost, and the amount of loss to each item. If the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of actual cash value and loss, or if it applies, the replacement cost and loss. Each party will: 1. Pay its own appraiser; and 2. Bear the other expenses of the appraisal and umpire equally.