Insurance Appraisal & Umpire Services
Appraisal
💡What Is an Insurance Appraisal?
An insurance appraisal is a dispute-resolution process built into most property policies.
Each side—policyholder and carrier—selects a qualified appraiser to determine the cost of repairs or replacement. If those appraisers disagree, a neutral umpire reviews both positions and issues a binding award.
At Purpose RC, our appraisers combine construction-based estimating expertise with in-depth knowledge of Texas codes, carrier guidelines, and restoration best practices to ensure every award reflects the true scope and value of the work required.
🧭When to Use an Appraisal
You may benefit from the appraisal process if:
There’s a significant difference between your contractor’s and the insurer’s estimates
A claim has stalled due to “scope of loss” disagreements
There are matching issues, tile or shingle discontinuations, or code-upgrade disputes
You’ve received a settlement that doesn’t reflect current material or labor pricing
Purpose RC provides both policyholder representation (appraiser) and neutral umpire roles depending on case needs.
⚖️Our Role at Purpose RC
We believe in accuracy, transparency, and fairness.
Our process includes:
Reviewing the full claim file and prior estimates
Conducting an on-site or virtual inspection if necessary
Preparing an independent Xactimate-based valuation
Coordinating with the opposing appraiser and, if needed, an umpire
Documenting the final award for carrier acceptance
Every step is handled professionally and in accordance with Texas Insurance Code § 2210 and industry appraisal standards.
🤝Why Choose Purpose RC
Experienced estimators with real-world reconstruction knowledge
Transparent communication throughout the process
Proven record resolving Texas hail, wind, and water claims fairly
Independent and neutral—no carrier affiliations
Our goal is to deliver a balanced, fact-driven outcome that restores trust and helps property owners move forward.
umpire
⚖️ What Is an Umpire in the Insurance Appraisal Process?
In the insurance appraisal process, an umpire serves as a neutral third party who helps finalize a claim when the two appraisers cannot agree on the amount of loss.
The umpire’s role is not to take sides—but to review both appraisers’ findings, evaluate the evidence, and make an impartial decision based on facts and documentation.
🧩 How the Umpire Fits Into the Process
The policyholder and insurance carrier each select an independent appraiser.
Both appraisers then agree upon an umpire before beginning their work.
Each appraiser prepares their estimate and discusses differences.
If they can’t reach agreement, those disputed items are submitted to the umpire.
The umpire reviews both positions, supporting documents, photos, and code citations.
Once two of the three parties (either both appraisers or one appraiser and the umpire) agree on a value, that figure becomes the binding appraisal award under the insurance policy.
🧠 The Umpire’s Responsibilities
A qualified umpire must:
Remain completely neutral and free from conflicts of interest.
Review all materials objectively, including estimates, measurements, expert reports, and photos.
Apply industry standards and local building codes to determine what is fair and reasonable.
Document the final decision clearly for both sides.
In Texas, umpires are expected to act under good faith and fair dealing principles consistent with the Texas Department of Insurance’s ethical guidelines for appraisal.
💼 What Makes a Good Umpire
Purpose RC’s approach to umpire services emphasizes:
Construction and estimating background for technical accuracy
Familiarity with Xactimate and carrier documentation standards
Understanding of Texas code compliance, materials, and pricing
Calm, professional communication to help both parties reach closure
A well-qualified umpire provides confidence that every dollar of the award is backed by verifiable data and documentation—not opinions or bias.