What Does an Umpire Do in a Total Loss Appraisal?
In the appraisal process, each side hires its own appraiser. Most of the time the two appraisers reach an agreement. When they can't, an umpire steps in.
When an umpire is needed
An umpire is only brought in if the two appraisers cannot agree on the value of the loss. In many disputes, the appraisers settle it themselves and no umpire is needed.
What the umpire does
The umpire reviews the two appraisers' valuations and evidence. Under most appraisal clauses, a value agreed to by the umpire and either appraiser settles the amount.
Who pays
Typically the policyholder and the insurer split the umpire's cost. Your policy language controls the details.
Think your total loss offer is too low?
Our independent appraisers build a documented valuation from market data, equipment and condition, and stand behind it through negotiation with your insurer.
Common questions
- How often is an umpire needed?
- Not often. Most appraisals are resolved by the two appraisers agreeing on a value.
More guides
- How to Dispute a Total Loss Settlement Offer
- What Is the Appraisal Clause in an Auto Insurance Policy?
- How Insurance Companies Calculate a Total Loss (Actual Cash Value)
This guide is general information, not legal advice. Policy terms and consumer rules vary by insurer and state. Check your policy, and contact your state insurance department with questions about your rights.