INSURANCE: Provides for the appraisal process and employment of umpires

HB 609 updates the insurance appraisal process by creating a new legal section that clarifies how umpires are selected, supervised, and paid. The bill requires umpires appointed by a court to remain under that court's supervision and allows them to begin work if appraisers fail to finish within the legal timeframe. It also establishes a specific procedure for insurers to challenge an appraisal award in court within thirty days of receiving it. Additionally, the legislation sets a thirty-day window for insurers to pay approved awards, though the final amount remains subject to policy limits and deductibles. These changes directly affect insurance companies, policyholders, and the courts handling property damage disputes.