When the two appraisers cannot agree on the amount, the umpire reviews both positions and sets the number.
When any two of the three agree, that amount generally binds both sides as to the amount of the loss. The umpire decides the amount, not whether the claim is covered.
Each side names an appraiser, the two appraisers select an umpire, and when any two of the three agree on a number, that number generally binds both sides as to the amount of the loss.
Appraisal decides the amount of a loss, not whether the policy covers it. Coverage questions stay between you and your carrier, and where they are disputed, with your attorney.
Property owners and their advisors who have reached the point where an umpire is being named, and the appraisers on both sides who are choosing one.
What to look for in an umpire is set out in more detail on our umpire services page.
We serve as appraiser and as umpire. We are not public adjusters and we are not attorneys.
Background and the three roles we take are on our credentials page.
The first conversation costs nothing. Call or email and we will give you a straight answer.
Call (956) 433-2574 Email [email protected]