In the appraisal process, who is responsible for selecting the umpire?

In the appraisal process, the two appraisers have the responsibility of selecting the umpire. This selection is crucial as the umpire serves as a neutral third party who helps resolve disputes between the two appraisers regarding the value of the loss.

The process begins when each side, typically the insurance company and the policyholder, selects their own appraiser. If these appraisers cannot reach an agreement on the amount of the loss, they must then mutually agree on an umpire to assist in determining the value. This collaborative approach ensures that both parties have input in the selection of the umpire, promoting fairness and objectivity in the appraisal process. The adjuster, the insurance company, or the claimant do not have the authority to unilaterally select the umpire, as the integrity of the process relies on the agreement between both appraisers.