Umpire services for Colorado property appraisals

How an umpire file is handled

1. Conflict check and engagement

   Both appraisers confirm the appointment in writing. We disclose any prior work with either party or appraiser. Terms are set out in the engagement letter before work begins.

2. Disputed items only

   The appraisers submit their estimates and a list of the items still in dispute. Items already agreed are not reopened.

3. Inspection where it matters

   If the disputed items depend on the condition of the property, we inspect, usually with both appraisers present. If they depend on pricing or method, the file may be decided on the documents.

4. Written decision

   Each disputed item is decided with a brief reason. The result is an award stating replacement cost and actual cash value, signed by the umpire and whichever appraiser concurs.

What we bring to the role

• Experience in both party seats. We are appointed by carriers and by policyholders, so neither position is unfamiliar.
• Fluency in the estimating software carriers use, so both estimates can be read at the line level and the real differences identified.
• Working knowledge of Colorado building codes, Front Range pricing, and the hail and wind patterns that produce these disputes.
• A decision rather than a compromise. The umpire's role is to decide the disputed items, and a reasoned decision is what allows both sides to close the file.

To propose us as umpire

Either appraiser may reach out. Send the two estimates, the list of disputed items, the property address, and the carrier and claim number so the conflict check can be run, to Appraisals@HeidmannAndAssociates.com. We confirm availability and conflicts within one business day.