Insurance Umpire Services in Minnesota

When appraisers can’t agree on the value of a property damage claim, the next step is selecting an impartial umpire. Our experienced umpire services ensure a fair, final resolution under the appraisal clause — without the need for litigation or extended delays.

• Neutral Third Party: We serve as unbiased umpires, appointed to break deadlocks between appraisers with professionalism and clarity.

• Binding Decisions: Our role is to evaluate both appraisers’ evidence and issue a majority ruling that is final and enforceable.

• Experienced in Complex Claims: From roofing to interior damage, we understand Xactimate scopes, policy language, and high-stakes claims.

• Efficient & Confidential: Our process is discreet, fast, and avoids the delays and expenses of litigation or public disputes.

When Is an Umpire Needed in an Insurance Appraisal?

Umpires are brought in when the two appraisers cannot come to a mutual agreement. The appraisal clause requires that a neutral third party — the umpire — be appointed to make the final call. Here’s how the umpire process works:

• 1. Appraisers Disagree: After reviewing estimates and damage, each appraiser presents a value — but cannot come to consensus.
• 2. Umpire Is Selected: Both parties agree on a qualified, neutral umpire or have one appointed by a court if needed.
• 3. Evidence Is Reviewed: The umpire reviews submissions, documentation, photos, and may inspect the property if necessary.
• 4. Binding Award Issued: A majority agreement (2 of 3) is reached — either the umpire and one appraiser — and the value is finalized.
• 5. Claim Is Settled: The insurer pays out based on the signed award, and the dispute is considered resolved.