What is a common reason for appraisers to submit their differences to the umpire?

When appraisers are unable to agree on the actual cash value of a claim, it often leads them to submit their differences to an umpire. This situation typically arises when the appraisers have assessed the damage or loss and come to different conclusions regarding the valuation. Since the appraisal process is designed to provide a resolution to such disagreements, the involvement of an umpire—who acts as a neutral third party—facilitates the resolution of the conflicting opinions.

The appraisal process relies on the expertise of the appraisers to represent the interests of the insured and the insurance company. However, when they cannot reach a consensus, the umpire steps in to make a final determination based on the evidence presented, ensuring that a fair outcome is achieved for both parties. This mechanism is crucial because unresolved valuation disputes could result in protracted negotiations or litigation, which the appraisal process aims to avoid.

In contrast, factors such as difficulty in contacting the insurance company, changes in the insurance policy, or delays in filing the appraisal are less directly linked to appraisers submitting their differences. These aspects might impact the overall timeline or process but do not typically drive the need for umpire involvement in disputes specifically related to valuation.