The appraisal provision, set out in a policy endorsement, applies when the parties cannot agree on the amount of loss or damage. On written demand, each side selects a competent and disinterested appraiser and notifies the other. The appraisers then choose a competent and disinterested umpire. If the appraisers cannot agree, they submit their differences to the umpire, and any agreement by two of the three determines the amount of loss. The appraisers are to state the loss to each item separately, then total the figures, and each party pays its own appraiser, with the appraisal and umpire expenses shared