Fire Insurance policies in New Jersey are required by statute to provide for the Umpire Process to resolve claim disputes between the insureds and carrier regarding insured perils.

Mr. Heine has successfully served in this neutral adjudication function as Umpire, enjoying the respect of both the claimant and the underwriter.

This special service presents an opportunity for achieving conciliation in the camps of pitched warfare. Often these disputes call upon Mr. Heine's experience with:

• Loss documentation
• Costs attending reconstruction and replacement
• Present value (depreciation)
• Economic/financial documentation of business interruption and operational losses
• Specialized business processes