August 14, 2025

When an insurance claim goes to appraisal, policyholders and insurers alike often wonder — once the award is signed, can anyone change it?

A recent Texas appellate decision in Mallady v. Homeowners of America Insurance Company answers that question with a clear no. Once two members of the appraisal panel sign the award, it becomes binding. The umpire cannot rescind or “fix” it unless very limited exceptions apply.