Certified Umpire Services · Florida

Neutral. Decisive.
Appraisal Disputes Resolved.

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: (305) 401-3691

2,000+

Appraisals Resolved

100%

Certified & Licensed

Statewide Coverage

Fast

Dispute Resolution

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 and expertise 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. This avoids costly and time-consuming litigation for all parties.

Residential & Commercial Losses

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

The Umpire Process

How the Appraisal
Process Works

Appraisal Clause Is Invoked

Either the policyholder or the insurer formally invokes the appraisal clause in the insurance policy 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. Both appraisers must be competent and impartial.

Umpire Is Agreed Upon

Both appraisers jointly select a neutral umpire — or, if they can't agree, a court appoints one. Kingwell Corp is frequently selected by mutual agreement due to our established track record.

Inspection & Review

The umpire conducts an independent inspection of the property, reviews both appraisers' estimates and supporting documentation, and evaluates the scope of damages.

Binding Award Issued

The umpire issues a written award. Agreement by any two of the three parties (umpire + either appraiser) makes the award binding and enforceable under Florida law.

Why Choose Kingwell

What Sets Our Umpire
Services Apart

Trusted by both policyholders and carriers to deliver fair, knowledgeable, and efficient dispute resolution.

🏛️

Deep Industry Experience

Years of hands-on experience handling hundreds of property losses — hurricanes, floods, fires, and more — 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, and defensible awards.

📐

Xactimate Proficiency

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

📅

Rapid Scheduling

We understand that time matters. Once engaged, we move quickly to inspect, review, and issue our award — minimizing delays for all parties involved.

🏘️

All Property Types

From single-family homes to large commercial complexes — hotels, office buildings, retail centers, and condominiums — we have the scope of experience to handle it all.

📄

Complete Documentation

Every umpire award we issue is backed by thorough written documentation, photographs, and a line-by-line scope — giving all parties a clear record of how the determination was reached.

Umpire reviewing appraisal dispute documents

Get in Touch

Need an Umpire?
Let's Talk.

Fill in your information below and a Kingwell certified umpire will contact you within the hour during business hours — completely free, no obligation.

(305) 401-3691

Mon–Sat · 8am–7pm EST

First Name *

Last Name *

Phone Number *

Your Role in the Dispute

Type of Loss

By submitting, you agree to be contacted by Kingwell Corp. No spam. No obligation.

✅ Thank you! A Kingwell certified umpire will call you within the hour (Mon–Sat, 8am–7pm EST). For immediate help call (305) 401-3691.

Common Questions

Umpire Services:
Your Questions Answered.

What triggers the need for an umpire? +

An umpire is needed when the appraisal clause in an insurance policy is formally invoked and the two appointed appraisers (one for each side) cannot reach agreement on the amount of the loss. The umpire steps in as the neutral tiebreaker.

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. This is generally specified in the policy's appraisal clause.

Is the umpire's decision truly final? +

Yes. Under Florida law, when the umpire and at least one of the two appraisers agree on a value, that figure becomes the binding amount of loss. The insurance company must honor it.

How long does the umpire process take? +

Once we are engaged, we work to schedule the inspection and issue our award as quickly as possible — often within a few weeks. Complexity and property type can affect timing, but we always aim for efficiency.

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. The umpire role requires strict neutrality. In such cases we would serve as your appraiser, not the umpire.

What types of losses do you handle as umpire? +

We handle all types of property losses — hurricane damage, wind, water/flood, fire, smoke, mold, and more — for both residential and commercial properties throughout South Florida and statewide.

Need an Umpire?

Call us at (305) 401-3691 — we'll discuss your dispute and provide a fast response.

Neutral. Decisive.Appraisal Disputes Resolved.

The Neutral Third PartyThat Breaks the Deadlock

How the AppraisalProcess Works

What Sets Our UmpireServices Apart

Need a Certified Umpirefor an Appraisal Dispute?

Need an Umpire?Let's Talk.

Umpire Services:Your Questions Answered.