Neutral umpire services resolving unresolved amount-of-loss differences between party appraisers — focused strictly on damages, scope, methodology, and amount of loss. P.L.A.N. Certified Property Loss Umpire. IICRC water and fire restoration certified.
Propose as Umpire How Appraisal WorksWhen two appointed appraisers can't close the gap on the amount of loss, the appraisal process calls for an umpire — a neutral decision-maker selected by the two appraisers (or, where they can't agree, appointed by a court). Agreement by any two of the three panel members produces a binding appraisal award.
The umpire is not a tiebreaker who splits the difference. The role is to independently weigh both appraisers' positions on damages, repair scope, methodology, quantities, and pricing — inspect where needed — and land on the amount the evidence supports. The umpire is not an advocate for either party and does not decide coverage, fault, or legal questions.
RiskAxis brings both-sides claim experience to the neutral seat: 15+ years across carrier-side adjusting, building consulting, and appraisal work, with the restoration credentials (IICRC water and fire) to evaluate protocol-heavy disputes on the merits. CV and fee schedule are available on request for panel consideration.
A genuine review of both appraisers' estimates, documentation, and supporting references — each position tested against the damage evidence and recognized standards.
Site inspection where the file can't answer the question — measured, photographed, and documented, including drone/thermal capability where roof or moisture questions drive the dispute.
An itemized resolution of the disputed line items and a signed award stating the amount of loss (RCV/ACV as applicable) — clean, defensible, and ready for the file.
Fees: per industry norm, the umpire's fee is typically split 50/50 between the parties unless the policy or an agreement says otherwise. Billing begins at formal engagement — proposing RiskAxis as umpire costs nothing.
RiskAxis Solutions is not a public adjusting firm and does not sell insurance. Appraisal and umpire assignments address amount of loss under the applicable policy process. RiskAxis does not provide legal advice, interpret insurance coverage, or render coverage opinions. Coverage and legal questions belong with qualified coverage counsel, the insurer, or the appropriate licensed insurance professional.
Umpire engagements are accepted in the neutral role only — no advocacy for either party, no ex parte strategy discussions, and no coverage or legal determinations.
Send the dispute basics and both appraisers' contact information — CV, fee schedule, and conflict check come back fast.
Propose as Umpire