Ephesus disputed the insurer’s valuation and invoked the coverage’s appraisal clause, set forth in Type A 100, § C(2) (Jan. 2001). That provision required every get together to nominate a “competent and neutral appraiser,” with a third-party umpire resolving disagreements. The insurer’s appraiser valued the web substitute price at $68,148.78, whereas the church’s appraiser submitted an estimate of $1,692,642.89. The umpire agreed with the upper estimate, leading to an appraisal award that considerably exceeded the insurer’s valuation.
