The applicants sought judicial review of an umpire's appraisal award under s. 128 of the Insurance Act following a house fire.
They alleged procedural fairness violations, bias, and unreasonableness, citing the aggressive conduct of the insurer's appraiser and the umpire's independent site visit.
The Divisional Court dismissed the application, finding that despite the insurer's appraiser's poor behavior, the applicants had a full opportunity to present their case.
The court held the umpire's process was fair, unbiased, and the resulting valuation was reasonable and intelligible.
