Appraisal and Umpire Services for Disputed Insurance Claims
If you’re stuck in a disagreement with your insurance company, we provide impartial appraisal and umpire services to help resolve the dispute fairly.
What Is the Appraisal Process?
When you and your insurer can’t agree on the value of a loss, the appraisal clause in your policy allows for an alternative resolution — without going to court.
You choose a licensed appraiser to represent you
We act as your independent appraiser, reviewing the damage, documentation, and estimates to fairly represent your side of the dispute.
The insurance company chooses their own appraiser
Both appraisers review the claim separately and attempt to reach an agreement on the value of the loss.
If they can’t agree, an umpire is brought in
An umpire — mutually agreed upon or court-appointed — reviews both sides and makes the final call. We can also serve as a neutral umpire in these cases.
When Should You Consider Appraisal?
Your insurance company underpaid your claim
If you believe your payout doesn’t reflect the true cost of repairs or replacement, appraisal may help resolve it.
You’ve hit a wall in negotiations
If talking to the insurance adjuster is going in circles, the appraisal process offers a formal path to resolution.
You want to avoid legal battles
Appraisal is faster, less expensive, and less stressful than filing a lawsuit — and often leads to a better outcome.
Umpire Services You Can Trust
When both appraisers reach a stalemate, the outcome rests in the hands of a neutral third party. That’s where an experienced and impartial umpire becomes essential.
We serve as neutral umpires in the insurance appraisal process
As certified and experienced professionals, we are available to act as impartial umpires when selected by both parties. Our role is to carefully review both sides of the claim and issue a fair decision based on the evidence and policy language.
Deep understanding of insurance claims and construction value
Umpires must be able to spot discrepancies, understand repair scopes, and interpret policy coverage. Our background as public adjusters and licensed appraisers gives us the technical knowledge needed to make informed, balanced decisions.
Clear documentation and decision-making process
We take the responsibility of serving as umpire seriously, delivering timely rulings that are rooted in fact, industry standards, and the terms of the insurance policy.
Trusted by both policyholders and industry professionals
Whether selected by agreement or appointed by a court, we are known for our professionalism, fairness, and attention to detail.
Why Trust JK Public Adjusters for Appraisal and Umpire Services?
Experience that spans both residential and commercial claims
We’ve seen everything from roof disputes to full structural loss. Our experience ensures a complete and professional evaluation.
Neutral, ethical, and policy-driven decision-making
When serving as an umpire, we operate with full transparency and impartiality. You can trust our decision will be based on what’s right — not who we know.
We understand how insurance companies think
As licensed public adjusters, we know how insurers approach disputes. That makes us effective both as advocates and as neutral third parties.
FAA-certified drone inspections and photo documentation
Our drone technology helps us capture angles and details that others might miss, especially on roof or large property disputes.