What an umpire does
The umpire is the third member of the appraisal panel. The two party-appointed appraisers first try to agree on the amount of loss. Only items they cannot resolve go to the umpire, who reviews both positions and signs an award with whichever appraiser he or she agrees with — or issues a figure between them, depending on how the panel operates. Any two signatures make the award.
Our umpire practice
When we serve as umpire, we have no relationship with either party on that claim. We disclose prior contacts with either appraiser, ask both sides to submit their positions in writing with supporting documentation, inspect the property, and issue a reasoned, itemized decision. Our goal is an award both parties can understand, even if one side doesn’t love the number.
Choosing an umpire
- Construction and estimating experience relevant to the type of loss — roofing, water, fire, commercial.
- No conflicts with the carrier, the policyholder, either appraiser or the contractor.
- Willingness to inspect rather than deciding solely from paper.
- A clear process for submissions, hearings and the final award form.
When appraisers can’t agree on an umpire
Most appraisal clauses provide that if the appraisers can’t agree on an umpire within a set time, either party may ask a court of record in the county where the property is located to appoint one. In Georgia, that is typically the superior court. We can help you understand that step, though the filing itself is handled by counsel.
Frequently asked questions
Can you be both my appraiser and the umpire?
No. On any given claim we serve in one role only. An umpire must be neutral.
Who pays the umpire?
Most policies split umpire fees equally between the policyholder and the insurer. Each side pays its own appraiser.
Can the umpire decide coverage?
Generally no. The umpire’s authority is limited to the amount of loss, though the line between valuation and causation can be contested.