What Attributes Should You Consider When Selecting an Umpire for Insurance Appraisal Disputes? 

One key aspect of the appraisal dispute process is selecting the right umpire. While the appraisal clause specifies that an umpire must be competent, disinterested, and impartial, additional qualifications are crucial:

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1. Strong understanding of insurance claims

Your umpire should have a thorough understanding of insurance claims to make an objective and impartial assessment of the disputed issues. An in-depth understanding allows them to evaluate the evidence presented by both parties without bias, ensuring a fair resolution. An umpire with knowledge of insurance claims can interpret these policy terms accurately, helping to determine the extent of coverage and the obligations of the insurer and insured.

2. Well versed with the appraisal process

Understanding the intricacies of the insurance appraisal process is crucial for an umpire. This includes being aware of the informal nature of the proceedings, the separation of actual cash value and loss assessment for each item, and the collaborative effort with the appraisers.

3. Knowledge of restoration repairs services

An umpire’s knowledge of restoration techniques and practices enhances their ability to make informed and fair decisions during the appraisal process. This knowledge contributes to a more accurate assessment of costs, damages, compliance with industry standards, effective communication with stakeholders, and a resolution that aligns with the realities of the restoration industry.

4. Expertise with estimating software

The umpire’s expertise with estimating software featuring accurate pricing is crucial to contributing to the effectiveness and accuracy of the appraisal process, providing a systematic and standardized approach to evaluating the costs associated with the repairs. Effective use of estimating software also creates consistency in the evaluation process.

Bearing in mind the criteria above for the selection of an umpire, it can be difficult to find a candidate with these qualifications. Choosing the right umpire is the bedrock of achieving equitable resolutions in the complex landscape of insurance appraisal disputes.

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As a mold certified (MRSR299, MRSA687), state licensed general contractor (CGC 1517916), All Claims Consulting has served as an impartial consultant and handled 7,658 cases for our 623 clients. Our staff of consultants averages decades of experience conducting appraisals, expert witness testimony, mediation, and umpire assignments. If you find yourself with questions or would like to discuss any aspect of the insurance appraisal dispute process, reach out to Tony Allogia at tony@allclaimsrepairs.com.