A. Each party is responsible for and shall pay the following:
(1) His own appraiser fees and expenses.
(2) Half of the reasonable and necessary costs incurred for an umpire's fee and expenses.
(3) Half of any reasonable and necessary costs incurred to conduct the appraisal.
B. If the parties settle before the umpire begins work, the umpire shall not charge a fee.
C. The parties shall not pay an appraiser or umpire on a contingent fee basis, percentage of the decision, barter arrangement, gift, favor, or in-kind exchange.
D. The commissioner is not responsible for any appraisal fees, expenses, or costs.