Delivering Final, Fact-Based Decisions in Property Claim Disputes
When insurance appraisers reach a spot, the solution depends on the credibility and transparency of the umpire. As a Texas-licensed Professional Engineer with over 30 years of experience in forensic inspections and construction evaluations, I, Mathew Joseph, P.E., operate as an impartial insurance umpire, bringing probity, understanding, and technical knowledge to the final decision-making step.
I do not execute engineering services or forge new data in this role. My commitment is to estimate the documentation presented by both appraisers and render a professional, impartial conclusion based on the strength, totality, and credibility of each side’s case.
What is an Insurance Umpire?
In property damage altercations, each party designates an appraiser. Before the appraisal process begins, both parties agree on an impartial umpire who will intervene only if the appraisers are unable to reach a mutually agreed-upon valuation.
As the umpire, I:
- Examine all submitted documentation
- Consider the persistence and methodology of each appraisal
- Audit site visits only for context, not investigation
- Generate a final decision based on facts, not assumptions or pressure
I am not an advocate. I am the final voice of resolution.
Our Umpire Services Include
| Service | Description |
|---|---|
| Impartial Decision-Making | Final declarations when appraisers reach a predicament |
| Evidence-Based Evaluation | Considering the strength and clarity of each side’s documentation |
| Due Diligence Review | Assessing whether each party followed proper appraisal protocols |
| Site Contextualization | Optional site visits to understand the physical realities behind the claims |
| Final Written Determination | Transparent and defensible documentation of the umpire’s decision |
Why Mathew Joseph, P.E.?
- Licensed Professional Engineer in Texas
- Founder of RSH Engineering, Inc.—a respected name in forensic inspections
- 30+ Years of Experience in Construction and Damage Evaluation
- Known for impartiality, clarity, and technical discernment
- Trusted by attorneys, adjusters, and property owners across Texas
I don’t create the evidence—I judge its strength. I don’t take sides—I deliver closure.
My Process: Focused, Fair, and Final
- Umpire Agreement Prior to Appraisal
- Review of Appraisers’ Reports and Supporting Documentation
- Optional Site Visit (if needed for context)
- Evaluation of Due Diligence and Methodology
- Final Decision with Written Summary
Every step is designed to ensure transparency, respect, and resolution.
