When an Insured or Claimant and the Insurer disagree upon the amount to be paid on a property or liability claim, then upon written request of either party, the dispute may be submitted for an Appraisal Clause or Arbitration. Each party selects an Appraiser. It is then up to the two Appraisers to come to a mutual settlement agreement.

In the event the two Appraisers are not able to reach an agreement, the Appraisers will select a neutral third party known as the Umpire. Each appraiser will be paid by the party selecting him or her, and the umpire expense shall be shared equally by both parties. The parties are bound by the final agreed decision of any two Appraisers or the Umpire.

Claims Delegates provides both Appraisal and Umpire services.

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Put Me In, Coach!

It's a common dilemma. You had a flood in your house. The insurance company offers $10,000 to fix it. You can't find a contractor to do the work for under $40,000. You may feel this is unfair. It certainly is. This is also by design. The insurance company makes more...