What an umpire does
An umpire is the third member of an appraisal panel. The two appraisers select the umpire, or a court appoints one if they can’t agree. The umpire reviews the items the appraisers couldn’t resolve and decides them. An award signed by the umpire and either appraiser sets the amount of loss.
How we serve as umpire
- Conflict check first. We disclose any prior work with either appraiser, the insurer or the property owner before accepting.
- Clear ground rules. We set out how submissions, inspections and communication will work, in writing.
- Evidence-based decisions. We inspect when useful and decide each item on the measurements, photos and pricing presented.
- Clean award forms. Awards are itemized by coverage with replacement cost, depreciation and actual cash value spelled out.
Independence matters
We never serve as umpire on a claim where we acted as appraiser or reviewed the estimate for either side. When we serve as umpire, we do not communicate with one side without the other. Neutrality is what makes an award hold up.
Frequently asked questions
Who pays the umpire?
Policies usually split umpire fees equally between the insured and the insurer. Our fee is set out in writing before we start.
Can one side contact the umpire directly?
We don’t hold one-sided conversations about the merits. Communication goes to both appraisers.
Do you serve as umpire outside Washington?
This practice focuses on Washington properties, where we know local pricing and policy practice best.
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