Umpire Services

Need To Hire Umpire Services For Your Property Insurance Claim Dispute? We Can Help.

Umpire Services in Insurance Appraisal: A Fair and Unbiased Resolution to Disputes

In the realm of insurance claims, disputes can occasionally arise between policyholders and insurance companies over the valuation of damages or the extent of coverage. When the appraisers appointed by both parties cannot reach a consensus, an umpire steps in as a neutral third party to facilitate a fair and unbiased resolution. Umpire services play a pivotal role in the appraisal process, ensuring a prompt and impartial outcome to insurance claim disputes.


Understanding the Role of an Umpire:

An umpire is an independent and impartial expert appointed to resolve disagreements between the two appraisers in an insurance appraisal process. If the appraisers representing the policyholder and the insurance company cannot agree on a valuation, the umpire steps in to make the final decision. Their determination is binding and becomes the official valuation for the disputed aspect of the claim.


The Umpire Selection Process:

  1. Agreement by Appraisers: The two appraisers appointed by the policyholder and the insurance company work collaboratively to assess the damages and attempt to reach an agreed-upon value.

  2. Umpire Selection: If the appraisers are unable to agree on a valuation, they jointly select an umpire. In some cases, if they cannot agree on an umpire, a court may appoint one.

  3. Impartiality of the Umpire: The umpire must be entirely neutral, with no prior relationship to either party or any conflict of interest. Their role is to provide an unbiased decision based on their expertise and knowledge.

The Umpire’s Decision: A Final Resolution:

Once the umpire is appointed, they review all the evidence presented by both appraisers independently. They may also conduct their own research to assess the value of the disputed aspect of the claim. After careful consideration, the umpire makes a final decision, providing a fair and just resolution to the dispute.


Benefits of Umpire Services:

  1. Impartiality and Neutrality: The umpire acts as an impartial third party, ensuring that the dispute is resolved without any bias towards either the policyholder or the insurance company.

  2. Expertise and Fair Evaluation: Umpires are typically industry experts, possessing vast knowledge in the relevant fields. Their expertise ensures that the final decision is based on accurate and fair assessments.

  3. Prompt Resolution: Umpire services expedite the dispute resolution process, avoiding prolonged disagreements and enabling policyholders to receive their rightful settlements more quickly.


Umpire services in insurance appraisals play a critical role in providing a fair, efficient, and unbiased resolution to disputes between policyholders and insurance companies. By appointing a neutral third party, the appraisal process can continue without unnecessary delays, and both parties can confidently accept the umpire’s decision as the final resolution. This alternative dispute resolution mechanism ensures that the claims process remains transparent, efficient, and, above all, just for all parties involved.

Contact us today to retain us for your umpire service needs.

Appraisal FAQ's

In cases where you and your insurance provider find yourselves at an impasse regarding the valuation of your claim or continue to disagree about the extent of property damage and the associated repair costs, your insurance policy may offer a solution known as the appraisal clause. While not universally applicable, the appraisal clause presents an alternative path for resolving disputes, potentially expediting the resolution of your claim.

So, how exactly does the appraisal process function? It commences with your selection of an impartial appraiser to advocate on your behalf, paralleled by your insurance company’s appointment of a representative appraiser. These two appraisers collaboratively designate a neutral umpire. Individually, both appraisers assess the damages pertaining to your claim. Subsequently, they convene to evaluate the claim with the intent of finding common ground.

Should discrepancies persist and the appraisers fail to achieve unanimity on specific matters, the neutral umpire steps in to issue a final, binding verdict. This decisive pronouncement concludes the appraisal process, settling contentious points and establishing a definitive resolution.

As for the financial aspect, each party covers the remuneration for their respective appraiser, while the fee for the umpire is evenly divided between both sides. By engaging the appraisal clause, you engage a structured process that seeks to reconcile differences efficiently, facilitating a potentially swifter resolution for your claim.

If you choose to hire us as the appraiser, we first ask to review all documents related to your insurance claim to get up to speed on your file.   If we choose to take on your file we will then be listed as your appraiser and will let all parties know we are retained on your appraisal.

Every property insurance claim is different.  If the amount in dispute is minimal then it may not make sense to go to appraisal and incur additional costs.  Our appraisers can review your file to determine if appraisal is the best course of action.

Not all property insurance claims are eligible for the appraisal process. The availability of the appraisal process and the specific circumstances under which it can be invoked vary depending on the terms and conditions outlined in your insurance policy. Here are some key points to consider:

  1. Appraisal Clause in the Policy: Whether or not an appraisal is an option depends on whether your insurance policy includes an appraisal clause. Some policies may have this clause explicitly stated, while others may not.
  2. Disputed Amounts: The appraisal process is typically used to resolve disputes related to the value of the claim, not disputes over coverage or policy interpretation. If there is a genuine disagreement about the monetary value of the damages, the appraisal process might be applicable.
  3. Limited to Specific Situations: Appraisal is generally reserved for situations where there is a dispute over the amount of loss, such as property damage assessments. It may not be applicable for disputes over policy coverage.

To determine if your property insurance claim is eligible for the appraisal process, contact Prime Adjustments today for a review of your insurance claim.   Keep in mind that while appraisal can be a useful tool for resolving disputes, it may not be applicable in every situation.

This varies based on the intricacy of the file being appraised. As the policyholder, you are responsible for covering your appraiser’s fees and contributing half of the umpire’s expenses, if the involvement of an umpire becomes necessary. Your appraiser’s fee structure is typically hourly with associated expenses or a percentage basis, provided it aligns with the regulations of the state where the loss transpired. Generally, the umpire operates on an hourly rate along with expenses. On the insurance company’s end, the expenses encompass its own appraiser’s fees and the remaining half of the umpire’s costs.  Contact Prime Adjustments today for a quote on our appraisal fee’s.

Prime adjustments can work most all states nationwide.  If we cannot help you with your appraisal, we will refer you to someone competent that can in your area.


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