Because the umpire can play a deciding role when two appraisers disagree, the qualities that make someone well suited for the role matter a great deal to both sides in a dispute. While there is no single official checklist, several qualities tend to come up consistently.
Relevant experience with the type of property and type of loss involved is important. An umpire evaluating a commercial roof claim benefits from a different background than one evaluating a residential water damage claim, for example.
A genuine, demonstrated history of neutrality matters as much as technical knowledge. An umpire who has served in the role for both policyholders and insurance companies over time, rather than working primarily for one side, often brings a more balanced perspective.
Familiarity with the appraisal process itself, including how awards are typically documented and how disagreements between appraisers are usually resolved, helps the process move efficiently and reduces the chance of procedural disputes later.
Clear communication and organizational skills also matter, since an umpire often needs to explain their reasoning, manage documentation from both appraisers, and keep the process on track toward a timely resolution.
Ultimately, the two appraisers are the ones who evaluate and agree on an umpire being right for a specific claim, so a track record that both sides can point to as fair and well reasoned is often the most persuasive factor.
This article is general education about how the appraisal process commonly works. It is not legal advice, and specific procedures can vary by state and policy. If you have questions about your own claim, review your policy language and talk with your insurance company, agent, or an attorney familiar with your state’s laws.
Russ Lis is a working property insurance appraiser and umpire based in Minnesota, serving clients nationwide. Have a question about your own claim? Contact Appraisal Resolution.