What is a Certified Umpire and Appraiser?
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When you disagree with the amount your insurance company paid for your property damage, many policies have an alternative and binding dispute resolution known as Appraisal. This is a method to resolve differences that could arise between you and the insurance company.

How a Certified Appraiser Evaluates Property Damage

A Certified Appraiser performs a complete and detailed analysis of the property damage resulting from a covered loss. They inspect damaged property and carry out an impartial evaluation and assessment of repair costs.  Appraisal is a policy provision found in the Loss Settlement section of your policy.  It can also be utilized as an alternative to a lawsuit. Appraisal does not address coverage issues but can include or exclude items based on causation depending on which state your loss is located.  When the appraisal provision of the insurance policy is invoked, the insurance company assigns their appraiser, and you will assign yours. Before meeting at the property, both Appraisers must agree on a mutual Umpire.  The Umpire that is agreed upon will assist in the resolution of your claim only if the two Appraisers reach an impasse.

A Certified Umpire for insurance claims provides a means of resolution by an unbiased third party if an insurer’s Appraiser and an insured’s Appraiser cannot agree on the amount of a claim payment. The Umpire looks at both Appraiser’s estimates and, like a mediator, they determine the outcome of the appraisal.

The owner of Lioness Claims, LLC, Peggy Martin, is a Certified Appraiser and Certified Umpire for all 50 states.