What should appraisers do if they do not agree on the appraisal?

When appraisers find themselves in disagreement during the appraisal process, the appropriate course of action is to submit their differences to the umpire. This is a crucial step because the umpire serves as an impartial third party whose role is to help resolve disputes when the appraisers cannot reach a consensus. The involvement of the umpire helps ensure that the appraisal is completed fairly and in accordance with the terms of the insurance policy.

In the appraisal clause typically found in insurance contracts, the umpire is appointed specifically to provide a final decision in the case of disagreements, which adds an additional layer of objectivity to the process. This mechanism is designed to ensure that the appraisal process can proceed smoothly even when varying opinions exist on the value of a claim.

Submitting differences to the umpire maintains the integrity of the appraisal process and provides a structured method for dispute resolution, ultimately leading to a more fair and accurate determination of the claim's value. This process is critical in maintaining trust between the insured and the insurer, as it provides a clear pathway for resolving conflicts that could otherwise delay or derail the claim process.