Umpire Service
Neutral Insurance Appraisal Umpire Services
- Both appraisers submit their valuation reports and supporting documentation
- We independently review the competing appraisals and claim evidence
- We evaluate comparable vehicle data, market support, and valuation methodology
- We communicate with both appraisers as needed throughout the process
- We work toward a fair and evidence-supported resolution of the disputed amount
* Available nationwide where permitted.
Request Umpire Services
- The two appraisers have been unable to reach an agreement
- An appraisal clause dispute is already underway
- A neutral third party is needed to review the dispute
- You want an independent review of both appraisals and supporting documentation
- You need assistance resolving a diminished value or total loss valuation dispute
- You prefer an objective, evidence-based evaluation process
- You’re looking for efficient dispute resolution without litigation
Available nationwide where permitted.
- Independent review of both appraisals
- Review of supporting claim documentation
- Comparable vehicle data and market support analysis
- Valuation methodology evaluation
- Communication with both appraisers as needed
- Evidence-supported resolution of the disputed amount
Division of umpire costs depends on the policy language and appraisal process.
Appraisal Umpire Questions, Answered
Learn when an appraisal umpire is needed, how the umpire process works, how an independent umpire is selected, and what to expect when two appraisers cannot agree on the amount of loss.
What is an appraisal umpire in an insurance claim?
An appraisal umpire is a neutral third party used when two appraisers cannot agree on the amount of loss during the insurance appraisal process. The umpire reviews the competing positions and relevant evidence to help resolve the disputed valuation.
When is an appraisal umpire needed?
An umpire may be needed when the policyholder’s appraiser and insurance company’s appraiser cannot reach an agreement. The specific process is governed by the appraisal provision contained in the applicable insurance policy.
What does an appraisal umpire do?
An appraisal umpire independently reviews the valuation dispute, supporting market evidence, appraisal reports, and other relevant information submitted by the appraisers. The umpire’s role is to evaluate the evidence impartially rather than advocate for either party.
How is an appraisal umpire selected?
The two appraisers typically attempt to agree on a qualified and impartial umpire. The exact selection procedure can vary depending on the language of the insurance policy and the circumstances of the appraisal.
Is an appraisal umpire neutral?
Yes. An appraisal umpire should act independently and impartially. Unlike the appraisers representing their respective valuation positions, the umpire does not advocate for the policyholder or the insurance company.
How much does an appraisal umpire cost?
Premier Vehicle Valuation Specialists charges a $499 umpire fee. Responsibility for umpire costs and any division of those costs between the parties depends on the applicable policy language and appraisal process.
Appraisal Clause Resources
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