Fair & Impartial Resolution for Insurance Disputes

When a policyholder and their insurance company disagree on the cost of repairing or replacing damaged property, the process can be frustrating and overwhelming. Many policyholders don’t realize they have the right to challenge the settlement offered by their insurer. This challenge can lead to a fairer payout—ensuring proper coverage for repairs.

One of the most effective ways to resolve these disputes is through the Appraisal Process, which includes an impartial Umpire to help determine a fair outcome.

What is an Umpire & Why Does It Matter?

An Umpire is a trained, certified dispute resolution expert who provides an unbiased decision when the two appraisers (representing the policyholder and the insurance company) cannot agree on the value of a claim. The Umpire’s judgment is binding, helping both sides avoid costly litigation while ensuring a fair resolution.

How is an Umpire Chosen?

Most property insurance policies outline an appraisal process where:

The two appraisers (one for the policyholder and one for the insurance company) attempt to agree on an Umpire.

If they cannot agree, a judge will appoint an Umpire from a list of mediators or from the names provided by both parties.

Why Work with Twin Ports Public Adjusting?

At Twin Ports Public Adjusting, we ensure that policyholders get a fair and thorough ruling in insurance disputes. Our team has the expertise to analyze reports from engineering, construction, and financial experts, ensuring that every aspect of your loss is properly considered.

🔹 Avoid Costly Legal Battles – The appraisal process saves time and money.
🔹 Fair & Unbiased Decisions – A certified Umpire ensures both sides are heard.
🔹 Expert Knowledge – We bring years of experience in insurance claims, construction, and financial assessments.