Neutral. Experienced. Decisive.
When the two appraisers cannot agree, the umpire decides. We serve as neutral umpires in insurance appraisal proceedings with the expertise to issue well-reasoned, defensible awards.
The Role of the Umpire in the Insurance Appraisal Process
The insurance appraisal process provides a binding, non-judicial dispute resolution mechanism for property insurance claims where the policyholder and the insurance company cannot agree on the amount of the loss. When the two party-appointed appraisers cannot agree, they select a neutral umpire to resolve the dispute.
The umpire reviews both estimates, examines the supporting documentation, and issues an award. The award of any two of the three (either appraiser agreeing with the umpire) is binding on both parties. The umpire role requires deep expertise in property damage valuation, construction costs, and insurance policy interpretation.
Joshua Osteen brings a unique combination of qualifications to the umpire role: experience as an insurance carrier adjuster from 2010 to 2017, Level 2 Xactimate certification, a background in construction and remodeling, and experience as a licensed public adjuster since 2017. He has seen property damage claims from every angle and brings that perspective to the umpire role.
Umpire Service Details
Neutral Umpire Services
We serve as neutral umpires in insurance appraisal proceedings for both residential and commercial property claims in Texas and Florida.
Impartial Award Issuance
We review both appraiser estimates, examine all supporting documentation, and issue well-reasoned, defensible awards based on the evidence.
Documentation Review
We conduct a thorough review of all documentation submitted by both appraisers including photographs, measurements, and Xactimate estimates.
Property Inspection
When warranted, we conduct an independent inspection of the damaged property to supplement the documentation provided by the appraisers.
Experienced. Impartial. Ready to Serve.
Contact us to discuss umpire availability and qualifications for your appraisal proceeding.
