If your claim reaches the point where an umpire becomes actively involved, being prepared can help the process move efficiently and give the umpire a clear picture of the disputed issues. A little preparation ahead of time can make a real difference.
Make sure your appraiser has all relevant documentation well organized and ready to share, including photographs, repair estimates, contractor bids, and any prior correspondence with the insurance company about the disputed amount.
Understand specifically which items or categories are actually in dispute. Appraisal, and the umpire’s involvement in particular, generally focuses on the areas where the two appraisers disagree, so being clear on those specific points helps keep the process focused.
Be responsive to requests from your appraiser or the umpire for additional information or access to the property. Delays in providing requested documentation or access can slow the process down for everyone involved.
Keep expectations realistic. The umpire’s role is to reach a fair, well supported figure based on the evidence presented by both sides, not to simply validate one party’s original position, so approaching the process with that understanding can help avoid frustration later.
If you have specific questions about what to expect in your own case, your appraiser is generally the best resource, since they will be familiar with both the general process and the specifics of your claim.
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.