Working with Umpires from the Carrier’s Perspective

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From a carrier’s perspective, the umpire plays an important role in the appraisal process, particularly in claims where the two appraisers are unable to agree on the dollar amount of the loss.

Carriers generally expect the umpire selection process to produce someone genuinely qualified and disinterested, since the umpire’s evaluation can significantly affect the final outcome when the appraisers disagree.

Once an umpire is involved, carriers typically expect their appraiser to present a clear, well documented case supporting their evaluation, similar to what would be expected from the policyholder’s appraiser.

Carriers generally respect the umpire’s independent role in reviewing both positions and reaching a final figure, understanding that the value of the process depends on the umpire genuinely weighing the evidence rather than simply favoring either side.

This reliance on a neutral, qualified umpire reflects the broader purpose of the appraisal process: providing both carriers and policyholders with a fair, structured way to resolve a genuine disagreement over the value of a covered loss.

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 a specific claim, review your policy language and talk with the insurance company or an attorney familiar with your state’s laws.

Russ Lis is an independent property insurance appraiser and umpire in Minnesota who serves clients nationwide. Have a question about your own claim? Contact Appraisal Resolution.