The applicant sought judicial review of an appraisal award made under section 128 of the Insurance Act, alleging a reasonable apprehension of bias by the umpire.
The applicant argued she had insufficient time to present her case, the insurer's appraiser challenged his own consultant's evidence, and the umpire met privately with the insurer's appraiser.
The Divisional Court dismissed the application, noting that the appraisal process is a valuation, not an arbitration, and does not require a formal hearing.
The court found no reasonable apprehension of bias, particularly as the private meetings were demanded by the applicant herself.