ADRS Process. An ADRS (Alternative Dispute Resolution Service) Process is a method for out-of-court resolution of conflict through the intervention of third parties. Mediation and arbitration are the two ADRS processes that NACHI ADRS uses. 

Arbitration is a process in which parties submit disputes to a neutral third person or persons for a decision onthe merits. Each party has an opportunity to present evidence to the arbitrator's in writing or through witnesses. Arbitration proceedings tend to be more informal than court proceedings and adherence to judicial rules of evidence is not usually required. Arbitrators decide cases by issuing written decisions or "awards." An award may or may not be binding on the parties, depending on the agreement to arbitrate. A "binding" arbitration award may be enforced as a court judgment under the terms of federal or state statutes, but judicial review of arbitration awards is limited.

Awards are the decisions of arbitrators.  Awards are made in writing.

Claimants are filing parties, also known as plaintiffs.

Consumer refers to an individual who purchases or leases goods or services, or contracts to purchase or lease goods or services, intended primarily for personal, family or household use.

Counterclaims are counter-demands made by a respondent in his or her favor against a claimant.

Defendants are respondents to the claim 

Fact-finding is a process by which parties present the arguments and evidence to a neutral person, who then issues a non-binding report on the findings, usually recommending a basis for settlement.