Find Certified Insurance Appraisers and Umpires Near You

What Is Insurance Appraisal?

Insurance appraisal is a dispute resolution process used when a policyholder and their insurance carrier cannot agree on the value of a loss. Each side selects a competent and impartial appraiser. If those two appraisers cannot agree, they jointly select an umpire to resolve the disagreement. The umpire's decision, when agreed upon by at least one appraiser, becomes the binding award.

This process is commonly used for residential and commercial property losses involving wind, hail, fire, water, and other covered perils. It is faster and less costly than litigation while still providing a structured resolution framework.

Who Needs a Certified Insurance Appraiser?

Policyholders who disagree with their carrier's damage assessment often invoke the appraisal clause in their insurance policy. To do so effectively, they need a qualified, experienced appraiser who understands both property damage and the insurance claims process.

Contractors and restoration companies frequently work alongside policyholders during claims and benefit from knowing qualified appraisers in their service areas. Public adjusters rely on appraisers when disputes escalate beyond negotiation. Attorneys representing insureds or insurers use appraisers and umpires as expert witnesses or neutral parties. Carriers need access to experienced appraisers and umpires they can trust to evaluate losses fairly.

How to Use This Directory

Search by your city, state, or ZIP code to find professionals serving your area. Filter by specialty — residential, commercial, auto, or other categories — to narrow results. Review each professional's credentials, service area, years of experience, and certification status before making contact. Every listing on this directory has been reviewed before going live.