What an umpire does
An umpire is the third member of an appraisal panel. Under most policy forms, the two appraisers select the umpire; if they can’t agree within the time the policy allows, either party may ask a court to appoint one. The umpire considers only the items the appraisers couldn’t resolve and decides each one. An award signed by the umpire and either appraiser sets the amount of loss on those items.
How we serve as umpire
- Conflict check first. Before accepting, we disclose any prior relationships with the appraisers, the carrier, the policyholder or the contractors involved.
- Clear ground rules. We confirm in writing which items are in dispute, how submissions will be exchanged and how fees are shared.
- Independent inspection when the disputed items call for it.
- Informal hearings where each appraiser presents evidence and answers questions.
- A clear written award that lists each decided item and separates replacement cost, depreciation and actual cash value.
When we decline
We won’t serve as umpire where we have represented either party on a related matter or where any relationship could reasonably raise doubts about neutrality. On any claim, we fill one role only.
For appraisers and attorneys
If you’re an appraiser looking for an umpire, or counsel preparing a petition for court appointment, call to discuss availability, fees and our experience with the type of loss involved.
Frequently asked questions
Who pays the umpire?
Most policies split umpire fees equally between the policyholder and the insurer. Each side pays its own appraiser.
Can an umpire decide coverage?
No. The umpire decides only the amount of loss on disputed items. Coverage questions belong to the parties and, if necessary, the courts.