UMPIRE SERVICES
Independent Insurance Appraisal Umpire Services
When appointed as an umpire during the insurance appraisal process, the role is to provide an impartial review of disputed amount-of-loss issues when the two appointed appraisers cannot reach agreement.
When selected by the appraisers on a file, Colby serves as a neutral member of the appraisal panel — carefully reviewing the documentation, inspecting the property when appropriate, and evaluating the disputed issues based on the available evidence and the applicable policy appraisal provision.
Our goal is to help move the appraisal process forward through a fair, organized, and impartial evaluation of the amount of loss.
What an Umpire Does
When appointed as an umpire during the insurance appraisal process, the role is to provide an impartial review of disputed amount-of-loss issues when the two appointed appraisers cannot reach agreement.
When selected by the appraisers on a file, Colby serves as a neutral member of the appraisal panel — carefully reviewing the documentation, inspecting the property when appropriate, and evaluating the disputed issues based on the available evidence and the applicable policy appraisal provision.
Our goal is to help move the appraisal process forward through a fair, organized, and impartial evaluation of the amount of loss.
our umpire services
When selected, Colby’s umpire assignments have covered a wide range of residential and commercial property insurance claims, such as:
- Residential property claims
- Commercial property claims
- Wind and hail losses
- Water damage claims
- Fire and smoke damage
- Roofing disputes
- Interior and exterior damage
- Scope-of-loss disagreements
- Quantity and measurement disputes
- Material selection issues
- Pricing differences
- Depreciation-related disputes
- Complex appraisal assignments involving multiple trades
Each assignment is accepted only after considering scheduling, conflicts, the available information, and the requirements of the appraisal provision.
WHAT WE REVIEW
As the neutral umpire, we review the disputed issues presented by the appointed appraisers rather than advocating for either party.
Depending on the assignment, our review may include:
- Carrier and appraiser estimates
- Contractor estimates
- Xactimate estimates
- Property inspections
- Photographs
- Roof measurement reports
- Scope comparisons
- Repair versus replacement issues
- Material specifications
- Quantity verification
- Supporting documentation
- Pricing differences
- Depreciation calculations
- Other documentation affecting the amount of loss
Every decision is based on the evidence submitted during the appraisal process.
WHEN IS AN UMPIRE NEEDED
An umpire is generally appointed when the two selected appraisers cannot reach agreement on some or all of the disputed amount-of-loss issues.
An umpire may be appropriate when:
- The appraisers have reached an impasse.
- Scope differences remain unresolved.
- Pricing disagreements continue after discussion.
- Repair methods are disputed.
- Quantity measurements differ.
- Material selection cannot be resolved.
- Both appraisers request assistance under the appraisal provision.
The appraisal clause in the insurance policy governs when and how an umpire may participate. Every policy should be reviewed carefully because appraisal procedures can differ.
ABOUT UMPIRE SELECTION
Colby is periodically selected by appraisers to serve as a neutral umpire on assignments across residential and commercial property claims in Texas.
We work with policyholders, insurance carriers, appraisers, public adjusters, attorneys, and other professionals involved in the insurance appraisal process.
Because umpire selection comes from the appraisers on a file, not from a direct request, Campbell Adjusting LLC does not accept solicited umpire assignments. If you have a disputed claim, our appraisal, estimate review, and documentation review services may be able to help.
A qualified umpire can help prevent unnecessary delays and move the appraisal process forward in a more efficient and credible way.