Appraisal
A policy-based process for certain disputes about the amount of loss. Its availability, scope, deadlines and effect depend on the policy and applicable law.
Other services offeredInsurance appraisals.
Insurance appraisals.
Umpire services.
UCAG will serve as your appraiser or as an impartial umpire in a property-insurance appraisal. These are separate roles. Tell us which service you need, and we will discuss availability and appointment requirements.
Insurance appraisal services
We serve as your appraiser.
When the amount of a property loss is disputed, the policy’s appraisal process may provide a way to address valuation differences. Our appraisal work focuses on the property, estimates, supporting documentation and issues within the assignment’s scope.
An appraiser’s work may involve inspection, reviewing repair quantities and pricing, developing an estimate, and discussing differences with the other appraiser. Policy requirements for competence, independence or impartiality must be considered before an appointment.
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Umpire services
We serve as the impartial umpire.
An umpire helps resolve differences submitted by the appraisers under the applicable appraisal provision. In this role, the focus is an impartial evaluation of the disputed issues and supporting evidence.
We serve in one role on a given appraisal—not as both an appraiser and the umpire. As the umpire, we do not advocate for either side; we impartially evaluate the differences submitted by the appraisers. Any appointment must satisfy the policy, applicable requirements, and review of potential conflicts or prior involvement.
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Understand the process
Different roles. A defined assignment.
Appraisers
Commonly, each side selects an appraiser to evaluate the loss. The appraisers review the disputed amounts and try to reach agreement within the policy’s process.
Umpire
The appraisers commonly select an umpire to address unresolved differences. The selection procedure and requirements for an award are governed by the policy and applicable law.
Appraisal is not a guarantee of a higher payment or a resolution of every coverage dispute. Fees, expenses and appointment terms should be agreed before work begins; public-adjusting fee arrangements do not automatically apply to appraisal or umpire services.
Procedures vary by policy and state. Explore claim payments, insurance definitions, or public-adjuster representation.
Tell us about the assignment
Start with the role and the property.
Let us know the property’s state, whether you need an appraiser or an umpire, and any known deadlines. We discuss availability, the proposed scope, appointment requirements and fees.
Have the policy’s appraisal provision, estimates and relevant correspondence available for the next conversation.