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Dispute over damages?  Looking to enforce the Appraisal Clause of the policy?  Let Provencher & Company help you with the process.  Our team of field adjusters are qualified to act as your appraiser; determining and assessing damages is what they do.

Umpire?  Yes, Provencher has qualified Umpires in many jurisdictions.  Contact us to discuss your needs!

What is the appraisal process?

The appraisal process is a contractual process for resolving valuation issues. Appraisal provisions have been included in insurance contracts for over 100 years. Most appraisal clauses in insurance contracts provide that if the insurer and the insured cannot agree on the value of the property or the amount of the loss, either party may make a written demand for an appraisal. Each party then selects their own appraiser and the appraisers perform their own independent evaluation. Prior to the evaluation, the umpire is selected by the appraisers or the Court is petitioned to appoint an umpire. If the two appraisers can agree on the value of the property or the amount of the loss, that amount is established and the process is concluded. If they cannot agree on the value of the property or the amount of the loss, then the matter is submitted to the Umpire for resolution. The Umpire’s decision becomes binding.

Responsibilities of the Umpire:

An Umpire has a responsibility not only to the parties but also to the process of appraisal itself, and must observe high standards of conduct so that the integrity and fairness of the process will be preserved. Accordingly, an Umpire should recognize a responsibility to the public, to the parties whose rights will be decided, and to all other participants in the proceeding.

Ultimately, the Umpire will, after careful deliberation, decide all issues submitted.  This decision will be binding on both parties to the process.  As such, an Umpire should decide all matters justly, exercising independent judgment, and should not permit outside pressure to affect the decision.

An ideal umpire:

  • Will render a timely and impartial decision.
  • is competent.
  • observes high standards of conduct.
  • Has integrity.
  • Has the ability to render an intelligent decision.
  • commands respect.
  • recognizes a responsibility to the public.
  • guards the integrity and fairness of the appraisal process.
  • can promote an efficient and just process.
  • is able to maintain the confidentiality of the process.
  • is trustworthy.
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