What an umpire does
Under a standard appraisal clause, the two appraisers choose an umpire. If they can’t agree on one, either party can usually ask a court of record to appoint one. The umpire’s job is limited: review the items still in dispute and decide them, so that two of the three panel members can sign an award. As an insurance appraisal umpire in Delaware, we do exactly that — no more, no less.
How we run the umpire process
- Disclosure first. Before accepting, we disclose any prior relationships with either appraiser, the insured or the carrier.
- Defined issues. We ask the appraisers to agree on what is settled and list what’s left, with each side’s figure.
- Inspection. We inspect the property when the disputed items require it.
- Fair hearing. Each appraiser presents their support. We ask questions, review documents and evaluate the evidence.
- Clear award. Our award states each decided item, so everyone can see how the total was reached.
When we decline
We won’t serve as umpire if we have represented either side on a related claim, if a conflict exists or if the dispute is really about coverage, which belongs with the courts. Neutrality is the whole value of the role.
Selecting an umpire
Appraisers often look for an umpire with construction pricing experience, familiarity with the type of property and no ties to either side. We’re glad to provide our background and fee schedule to both appraisers before anyone commits.
Frequently asked questions
Who pays the umpire?
Most appraisal clauses split the umpire’s fee equally between the insured and the insurer. Check your policy wording.
Can you be an umpire on a claim where you were contacted by one side?
Only if that contact didn’t involve advice or representation on the claim, and only after full disclosure to both appraisers.
What if the appraisers can’t agree on an umpire?
Most policies allow either party to ask a court to appoint one. That adds time and cost, so agreeing on a neutral umpire early helps.
Related services
Appraisal Clause Representation
Named as your appraiser once the policy’s appraisal provision is invoked, from demand letter to signed award.Learn more
Homeowners Claim Appraisal
Houses, twins, rowhomes and condo units where the adjuster’s estimate skips real repair costs.Learn more