"Policy Ensurance" 
Because the Appraisal provisions state that the Award of any two appraisers would determine the amount of loss and actual cash value, and where a third arbitrator unilaterally set the loss, the court set aside the Appraisal Award:
Allstate Insurance Co. v. Kleveno, 80, 81 F. & C. 1239, 438 NYS 2d 357, NY App. Div., 1981.
