The appraisal provision, set out in a coverage endorsement, applies when the events can’t agree on the quantity of loss or harm. On written demand, either side selects a reliable and disinterested appraiser and notifies the opposite. The appraisers then select a reliable and disinterested umpire. If the appraisers can’t agree, they submit their variations to the umpire, and any settlement by two of the three determines the quantity of loss. The appraisers are to state the loss to every merchandise individually, then complete the figures, and every celebration pays its personal appraiser, with the appraisal and umpire bills shared equally.
