What basis does the umpire's award rely on?

The umpire's award in the context of an insurance claim, especially in cases involving public adjusters, is primarily based on the itemized submissions provided by any two appraisers. This is an important aspect of the dispute resolution process in which the appraisers, who are typically called upon by the insured and the insurer, present their evaluations and conclusions regarding the loss or damages incurred.

When two appraisers are unable to agree on the value of the claim, the umpire steps in to evaluate the itemized submissions. The umpire carefully reviews the evidence and assessments offered by both appraisers, looking for common ground as well as discrepancies that need to be addressed. By relying on the structured submissions from the appraisers, the umpire provides a fair and balanced resolution to the dispute, working within the framework established by the appraisal clause in insurance policies.

This process ensures that the decisions made by the umpire are rooted in factual presentations of loss, rather than arbitrary, random, or solely company-directed assessments. Thus, the reliance on itemized submissions allows for a more transparent, equitable, and justified award, grounded in detailed evidence rather than subjective opinions or assessments not backed by documentation.