Property insurance appraisal is much different and not to be confused with that of real estate appraisal. Most insurance policies contain an Appraisal Clause. This clause allows the insured, you, to take the claim out of the hands of your insurance adjuster and the carrier. In some cases when a carrier has decided to stop the process or draw a line in the proverbial sand about further evaluation or payment of your claim, the Appraisal Clause affords the insured a fair playing field. Under this clause both you and the carrier select an outside appraiser to evaluate your claim and then present it to a third party Umpire. The Umpire then resolves or makes a decision on those items that the two appraisers do not agree on. In order for an award to be established, all that is required is for two of the three parties to agree. This means that a award can be made by an agreement with either the two appraisers or the umpire and one appraiser.