Property insurance appraisal and umpire services
Neutral umpires and party appraisers for residential and commercial property disputes.
About this division
When the parties agree a loss is covered but disagree on its value, the appraisal clause offers a faster path than litigation. This division provides umpires and appraisers with more than 25 years of estimating and claim handling experience.
Our core service area is Texas, Oklahoma, Kansas, Missouri, Arkansas, Colorado, Nebraska and Iowa, and we accept umpire appointments nationwide.
Services and guides
Appraiser and umpire services
Party-appointed appraisal and neutral umpire service on first-party property claims.
Read moreHow the insurance appraisal clause works
The demand, the appraisers, the umpire and the award, step by step.
Read moreUmpire rules in eight states, 2026
Who picks the umpire when appraisers deadlock, with statutes and case law for TX, OK, KS, MO, AR, CO, NE and IA.
Read moreThe 2026 appraisal map
Where appraisal stands in Texas, Missouri, Kansas, Oklahoma and Colorado after recent cases and legislation.
Read moreHow appraisal works
Common questions
What does an umpire decide?
The umpire decides only the items the two appraisers could not agree on. An award signed by any two of the three sets the amount of loss.
Does appraisal decide coverage?
No. Appraisal sets the amount of loss. Coverage questions are decided under the policy and state law.
Who can appoint ORA as an appraiser?
Either party to the policy may appoint ORA, in one role per matter, subject to a conflict check.
How fast can you start?
We respond to every inquiry within two business days and begin once the engagement letter is signed.
How are fees set?
Fees are confirmed in writing before work begins. Volume arrangements are available.
Appraisal and umpire services by state
Need an umpire or appraiser?
Send the details. Our team replies within two business days.