What an umpire does
When two appraisers cannot agree on every item, the umpire reviews the remaining differences and sides with one appraiser or sets a figure of their own on each. An award signed by the umpire and either appraiser becomes binding on the amount of loss.
How we serve as umpire
- Disclosure first. We disclose any prior work with either appraiser, the carrier or the policyholder before accepting.
- Defined scope. We confirm in writing which items are disputed and which are agreed.
- Evidence from both sides. Each appraiser submits a position with support; we may inspect the property, ask questions or hold an informal meeting.
- Clear decisions. We decide item by item and draft an award that separates replacement cost, depreciation and actual cash value.
Court-appointed umpires
If the two appraisers can’t agree on an umpire within the time the policy allows, most policies let either party ask a court of record in the county where the property is located — in Wyoming, typically the district court — to appoint one. We accept court appointments where we have no conflicts.
When we won’t serve
We do not act as umpire on any claim where we have represented either party, consulted on the estimate or have any other interest. If we are already your appraiser, we are never also the umpire.
Questions about umpire services
Who pays the umpire?
Most policies split the umpire’s fee equally between the two sides.
Can an umpire decide coverage?
No. The umpire, like the appraisers, decides the amount of loss on the items submitted.
How long does umpire review take?
Often a few weeks after the submissions are complete, longer when a site inspection or many items are involved.