Find a Licensed Insurance Appraiser or Insurance Umpire

Why Policyholders Use PropertyUmpire

• Verified credentials. Every listing is anchored on a credential we can verify — a state license where one exists, or a recognized industry certification where none does. Never self-reported.
• No pay-to-play. Professionals cannot pay for placement or ranking, and the directory is free to use.
• Independent. Not affiliated with any insurer, state Department of Insurance, or industry association.

How Insurance Appraisal Works

1. Your insurer disputes your property claim or undervalues the loss.
2. You invoke the appraisal clause in your policy.
3. Each side hires an independent appraiser. They select a neutral umpire.
4. The panel resolves the dispute — usually faster and cheaper than litigation.

Learn how to invoke appraisal →

Which Professional Do You Need?

• Insurance appraiser — represents your side of a dispute over the dollar amount of a covered loss. Hire one when you and your insurer agree damage is covered but disagree on what it costs. See the appraisal process guide.
• Insurance umpire — the neutral third party the two appraisers select to cast the deciding vote when they can't agree. See how to find a qualified umpire.
• Public adjuster or attorney — if your claim was denied outright rather than underpaid, appraisal may not be the right tool. See appraiser vs. public adjuster.