If the appraisers do not agree on the actual cash value and amount of loss, or on an appropriate offer of settlement, they must submit documentation memorializing their differences, including the actual cash value and amount of loss as calculated by each appraiser, to a competent and disinterested umpire. The umpire is to be selected by the appraisers, or, if the appraisers fail to agree on an umpire within 15 calendar days, by a judge in a court of competent jurisdiction at the request of either party.