If appraisers cannot agree on an umpire, who selects the umpire?

In situations where appraisers are unable to agree on the selection of an umpire, a judge of a court of record is the appropriate authority to appoint an umpire. This provision exists to ensure an impartial third party is brought in to assist in the resolution of disputes related to insurance claims.

When the parties involved in an insurance claim cannot reach a consensus in appointing an umpire, it often leads to delays and complications in the claims process. The involvement of a judge brings a level of authority and legal structure to the decision-making process, ensuring that it adheres to legal standards. The judge’s role is to evaluate the circumstances and make a decision that is in accordance with the law, ensuring fairness and objectivity.

The other options might not provide the same level of authority or legal backing that a judge does. For example, the nearest arbitration body may not have jurisdiction over the specific case, and mutual agreements could be challenging to reach if the parties are already in disagreement. Similarly, an insurance commissioner typically oversees insurance practices but does not directly intervene in private disputes unless warranted by specific regulatory issues.