Ephesus disputed the insurer’s valuation and invoked the policy’s appraisal clause, set forth in Form A 100, § C(2) (Jan. 2001). That provision required each party to appoint a “competent and impartial appraiser,” with a third-party umpire resolving disagreements. The insurer’s appraiser valued the net replacement cost at $68,148.78, while the church’s appraiser submitted an estimate of $1,692,642.89. The umpire agreed with the higher estimate, resulting in an appraisal award that significantly exceeded the insurer’s valuation.