Qualities to Look for in a Qualified Umpire

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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 is general educational material on the appraisal process rather than legal advice, and the specifics can vary with each state and policy. If you have questions about your own claim, review your policy language and talk with the insurance company, agent, or an attorney familiar with your state’s laws.

Based in Minnesota and serving clients nationwide, Russ Lis is a working property insurance appraiser and umpire. Have a question about your own claim? Contact Appraisal Resolution.