What exactly is a Public Adjuster?

A Public Adjuster is a licensed professional who works exclusively for you — not the insurance company. We evaluate your damage, prepare your claim, and negotiate your settlement.

How does your fee work?

We work on contingency — our fee is a percentage of the settlement. If we don't recover money for you, you pay nothing.

Can you reopen a denied claim?

Yes. Many of our most successful cases are previously denied or underpaid claims. We review your policy, gather new evidence, and reopen the process.

What types of properties do you cover?

Residential and commercial — single-family homes, condos, apartments, office buildings, retail spaces, and more.

What if my insurer disputes again?

We collaborate with attorneys who specialize in insurance disputes for mediations and appraisals.

Certified Umpire Services · Florida

Neutral. Decisive.
Appraisal Disputes Resolved.

Q: How long does the process take?

Simple claims can resolve in weeks; disputed claims may take several months. We keep you informed at every stage.

When a policyholder and insurer can't agree on the value of a loss, an Umpire makes the final call. Kingwell Corp brings certified umpire expertise — impartial, experienced, and efficient.

Request an Umpire →How It Works

Call us directly:(689) 273-2159

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2,000+

Appraisals Resolved

100%

Certified & Licensed

Statewide Coverage

Fast

Dispute Resolution

Certified Umpire

Strictly Neutral

Residential & Commercial

Rapid Scheduling

Binding Awards

Umpire reviewing insurance appraisal documents

⚖️

Disputes Resolved

2,000+ Cases

What Is an Umpire?

The Neutral Third Party
That Breaks the Deadlock

When a policyholder's appraiser and the insurance company's appraiser disagree on the value of a loss, Florida law provides a solution: an Umpire. This neutral third party reviews both positions and issues a binding decision — ending the dispute without litigation.

Triggered by the Appraisal Clause

Most Florida property insurance policies contain an appraisal clause. When invoked, both sides appoint an appraiser and agree on an umpire to settle disputes over the amount of loss.

Agreed Upon by Both Parties

The umpire must be agreed upon by both the policyholder's and the insurer's appointed appraisers. Our reputation for fairness makes us a trusted choice on both sides.

Binding & Final Award

The umpire's award, when agreed to by at least one appraiser, becomes binding on the insurance company — avoiding costly litigation.

Residential & Commercial Losses

We handle all property types — single-family homes, condos, apartment complexes, commercial buildings, hotels, and more.

The Umpire Process

How the Appraisal
Process Works

Appraisal Clause Is Invoked

Either the policyholder or the insurer formally invokes the appraisal clause when there is a disagreement over the amount of loss.

Each Side Appoints an Appraiser

The policyholder selects their own independent appraiser, and the insurance company appoints theirs.

Umpire Is Agreed Upon

Both appraisers jointly select a neutral umpire. Kingwell Corp is frequently selected by mutual agreement due to our established track record.

Inspection & Review

The umpire conducts an independent inspection, reviews both appraisers' estimates and supporting documentation.

Binding Award Issued

The umpire issues a written award. Agreement by any two of the three parties makes the award binding under Florida law.

Why Choose Kingwell

What Sets Our Umpire
Services Apart

🏛️

Deep Industry Experience

Years of hands-on experience handling hundreds of property losses across residential and commercial properties throughout Florida.

⚖️

Absolute Impartiality

As umpire, we represent no party. Our sole obligation is to the integrity of the appraisal process and to issuing fair, well-reasoned awards.

📐

Xactimate Proficiency

We prepare detailed written awards supported by industry-standard estimating software, ensuring every line item is documented and defensible.

📅

Rapid Scheduling

Once engaged, we move quickly to inspect, review, and issue our award — minimizing delays for all parties.

🏘️

All Property Types

From single-family homes to large commercial complexes — hotels, office buildings, retail centers, and condominiums.

📄

Complete Documentation

Every umpire award includes thorough written documentation, photographs, and a line-by-line scope.

Common Questions

Umpire Services:
Your Questions Answered.

What triggers the need for an umpire? +

An umpire is needed when the appraisal clause is formally invoked and the two appointed appraisers cannot reach agreement on the amount of the loss.

Who pays the umpire? +

Typically each party pays for their own appraiser, and the cost of the umpire is split equally between the policyholder and the insurance company.

Is the umpire's decision truly final? +

Yes. Under Florida law, when the umpire and at least one appraiser agree on a value, that figure becomes the binding amount of loss.

How long does the process take? +

Once engaged, we work to schedule the inspection and issue our award as quickly as possible — often within a few weeks.

Can Kingwell serve as umpire if they were my PA? +

No. If Kingwell represented you as your Public Adjuster on a specific claim, we cannot serve as umpire on that same claim.

What types of losses do you handle? +

All property losses — hurricane, wind, water/flood, fire, smoke, mold — for both residential and commercial properties throughout Florida.

Need an Umpire?

Call (689) 273-2159

Neutral. Decisive.Appraisal Disputes Resolved.

Request Umpire Services

The Neutral Third PartyThat Breaks the Deadlock

How the AppraisalProcess Works

What Sets Our UmpireServices Apart

Need a Certified Umpirefor an Appraisal Dispute?

Umpire Services:Your Questions Answered.