What an umpire does
Under the appraisal clause, the two party appraisers try to agree on the amount of loss. Items they can’t resolve go to the umpire, who reviews each side’s position and evidence, may inspect the property, and then decides. An award signed by the umpire and either appraiser sets the amount of loss.
How we run a panel
- Disclosure first. Before accepting, we disclose any prior work with either appraiser, the carrier or the property owner.
- Clear ground rules. We confirm in writing how submissions, inspections and communications will work.
- Narrow the dispute. We ask the appraisers to list agreed and disputed items so the umpire’s work is focused.
- Decide on evidence. Each disputed item is decided on measurements, photos, pricing support and policy context.
- Write a usable award. The award separates replacement cost, depreciation and actual cash value by coverage.
When a court appoints the umpire
If the appraisers can’t agree on an umpire within the policy’s time limit, either side may ask the Superior Court of New Jersey to appoint one. We accept court appointments when we are free of conflicts.
Frequently asked questions
Who pays the umpire?
Most policies split the umpire’s fee equally between the insured and the insurer. Our fee terms are set in writing before we accept.
Can you be an umpire on a claim where you once spoke to the owner?
If we gave advice or reviewed the claim for either side, we decline the umpire role on that claim.
How long does umpire review take?
Once submissions are in, many umpire decisions are completed within a few weeks. Complex commercial panels can take longer.