Insurance Umpire Service

Insurance Umpire Service  Process:
When the two appraisers cannot agree on the amount of loss, a neutral Insurance Umpire, either mutually agreed upon by both appraisers or appointed by a court, is brought in to make the final decision.

The umpire acts as an impartial and competent third party, reviewing both appraisers’ positions, supporting documents, and evidence to help reach a fair and balanced resolution. Once any two of the three panel members, either both appraisers or one appraiser and the umpire, sign the Appraisal Award, it becomes fully executed.

Adjuster Shield Insurance Umpire Standards

1. Fee Payment
The Insurance Umpire fee must be paid in full by all participating parties before the process begins.

2. Evidence Submission & Communication Protocol
All supporting evidence and documentation must be submitted to Umpire@AdjusterShield.com within 10 business days of payment confirmation. All communications must be conducted in writing only—no phone calls are permitted. Ex parte communications with the umpire are strictly prohibited; all parties and both appraisers must be included in every communication to ensure transparency and fairness.

3. Review Period
Within 10 business days after the Evidence Submission period, the Insurance Umpire will prepare and issue a draft Appraisal Award for panel review. This draft is provided without the umpire’s signature to allow time for review of factual corrections or clarifications based on the evidence.

4. Appraisal Award
Within 10 business days following the review period, the Insurance Umpire will sign and finalize the Appraisal Award, concluding the Insurance Umpire Service.

Insurance umpire services can differ in process, structure, and communication style. Comparing one service to another isn’t always an apples-to-apples evaluation, as professionalism, efficiency, and responsiveness may vary. Adjuster Shield emphasizes transparent procedures, clear communication standards, and structured timelines—all designed to promote an impartial, efficient, and evidence-based resolution process.

Adjuster Shield Insurance Umpire Service Flat-Rate Pricing

Adjuster Shield maintains clear and consistent pricing for Insurance Umpire Services based on property type:

• Auto: $1,000

• Residential: $1,500 

• Commercial: $2,000

• Farm: $2,500

• Industrial: $3,000 

• Large Scale: $5,000+

The Fee generally split equally between the Policyholder and Insurance Company. All fees are set as flat rates to promote transparency and remove any financial interest in the outcome of the Appraisal Award. Adjuster Shield determines the Insurance Umpire Service Fee and the Fee is subject to change anytime before a signed agreement is executed.

Adjuster Shield strongly advises that everyone retain legal counsel as soon as possible to protect their interests. In no way what so ever is Adjuster Shield advising anyone to refrain from retaining legal counsel as soon as possible to protect their interests.  

This information is provided for general educational purposes to help Policyholders understand how the Insurance Umpire Process typically functions. Actual procedures, timeframes, and rights may vary depending on the Insurance Policy Language and State Regulations.

Past results do not guarantee future settlement amounts. Every claim is unique, and results, time to settlement, and cost will vary based on policy language, facts of loss, and insurer practices. Adjuster Shield and Public Adjusters are not attorneys and cannot provide legal advice or legal service. Legal Service is a separate service that Adjuster Shield does not offer.