Claims Aid Consultants Public Adjusters hold the designations of Certified Property Insurance Appraiser (CPIA) and Certified Property Insurance Umpire (CPIU) obtained from the Insurance Appraisal and Umpire Association, ready to help you with the process.
Claims Aid Consultants has a team of experienced property adjusters that are qualified to act as an appraiser on your behalf. Our adjusters have an average 20 years in assessing and determining damages.
Put our highly trained, professional adjusters to work for you. Our firm has been a respected member of this industry for over 13 years with the founding principle to provide courteous, prompt and effective service for our clients. You will find our adjusters highly trained and dedicated to act in an ethical manner with high moral standards.
Claims Aid Consultants is the best choice if you find yourself in a dispute over damages. Almost all property insurance policies contain a provision specifying “appraisal” as a means of resolving disputes over the amount of loss associated with a covered claim. Appraisal provides an efficient method for an insured and insurance company to resolve a dispute over the amount of a covered loss when both parties agreed about the existence of coverage.
What is the appraisal process?
As mentioned, if the insurance company and the insured do not agree on the amount of a covered loss, either may demand an appraisal.
A typical appraisal clause states:
“If we and you disagree on the amount of loss, either may make written demand for an appraisal of the loss. In this event each party will select a competent and impartial appraiser and notify the other of the appraiser selected within 20 days of such demand. The two appraisers will select an umpire. If they cannot agree within 15 days upon such umpire, either may request that selection be made by a judge of a court having jurisdiction. Each appraiser will state the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding as the amount of loss.“
What if the Appraisers don’t agree?
If an agreement cannot be made on the value of the property or the amount of the loss, they submit their differences to a neutral and disinterested umpire. Prior to the evaluation, the two appraisers will select an umpire. The umpire is basically an arbitrator.
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 effective IAUA Professional Umpire will adhere to the following:
– 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.
Contact us for more information and a Free, No-obligation consultation for appraisal and umpire services at 954-48-CLAIM or with the form below.