Q1. A claimant disputes the amount offered by an Ohio insurer for property damage. Under Ohio law, which process is commonly used to resolve such appraisal disputes?

• ○Each party selects an appraiser; if they disagree, an umpire is chosen to decide.
• ○The Ohio Department of Insurance appoints an independent adjuster to settle the dispute.
• ○The insured must accept the insurer’s offer or file a lawsuit within 30 days.
• ○The insurer automatically pays the average of the two appraisal amounts.