What an umpire does
Under the appraisal clause in most New York property policies, each side appoints an appraiser and those two choose an umpire. The insurance appraisal umpire only becomes decisive when the appraisers disagree; an award signed by any two of the three sets the amount of loss. A good umpire narrows the issues, listens to both appraisers and writes an award that is clear about what was decided.
Our standards as an umpire
- Neutrality. We do not serve as umpire on a claim where we have advised either side, and we disclose any prior relationship with the appraisers or the insurer.
- Clear procedure. We set out how submissions, inspections and any hearing will run before the work begins.
- Itemised decisions. Disputed line items are resolved individually, with replacement cost and actual cash value stated where needed.
- Staying in lane. We value the loss and leave coverage and legal questions to the parties and their counsel.
When appraisers cannot agree on an umpire
If the two appraisers cannot agree on an umpire within the time the policy allows, the New York appraisal clause, based on the Standard Fire Policy in Insurance Law §3404, generally lets either party ask a court to appoint one. Court-appointed umpires are expected to be impartial and competent. We can serve in that role if appointed, and we can also help appraisers find a mutually acceptable umpire before it gets that far.
Most umpire engagements follow a simple pattern. Each appraiser submits an estimate and a list of disputed items with supporting photos and documents. We review the file, inspect the property where it helps, and may ask both appraisers questions in writing or at a joint meeting. We then issue a decision on each disputed item and prepare an award for signature. Because the award needs two signatures, we work toward a result at least one appraiser can sign, while staying within what the evidence supports. Communications stay even-handed: what one appraiser receives from us, the other receives too.
Claims we umpire
Residential and commercial property losses across New York State, including hail, wind, water, fire, ice dam and hurricane claims. Larger or more technical disputes may need engineering or specialist input, which the panel can consider in reaching its award.
Requesting an umpire
Appraisers on both sides can contact us together through reach us. We confirm independence, share our fee arrangement and set a timeline. Terms used in the process are explained in our claim vocabulary.
Questions about umpire services
Can a policyholder hire you directly as umpire?
An umpire is chosen jointly by the two appraisers or appointed by a court. We do not accept umpire engagements from one side alone.
How is the umpire paid?
Most appraisal clauses split the umpire’s fee equally between the policyholder and the insurer. Check your policy for the exact wording.
Can a court in New York appoint an umpire?
Yes. If the appraisers cannot agree, the appraisal clause in most New York policies lets either party ask a court to appoint one.