Analyzing street-view imagery with computer vision models offers a promising approach for rapid, hyperlocal disaster damage assessment, but existing approaches typically rely on black-box pre-trained vision models, which lack interpretability and reliability. This study proposes DamageArbiter, a multimodal disagreement-driven arbitration framework designed to improve the accuracy and reliability of street-view-based damage assessment. DamageArbiter leverages the complementary strengths of unimodal and multimodal models and employs a lightweight logistic regression meta-classifier to arbitrate cases in which model predictions disagree. Using 2,556 post-disaster street-view images, paired with manually generated or large language model (LLM)-generated text descriptions, we systematically compared DamageArbiter with fine-tuned unimodal (image-only and text-only) models and CLIP-based multimodal models in terms of classification performance and overconfidence errors. Results show that DamageArbiter improved accuracy to 75.85% and the Matthews correlation coefficient (MCC) to 0.6188, compared with the best-performing text-only baseline (63.07% accuracy, 0.4126 MCC), image-only baseline (74.33% accuracy, 0.5947 MCC), and CLIP baseline (74.22% accuracy, 0.5915 MCC). The overconfidence analysis further reveals that DamageArbiter substantially reduced the overconfidence error from 70.58% for the best-performing baseline, the image-only ViT model, to 16.45%. Overall, this study demonstrates that accuracy alone is insufficient for evaluating disaster damage classification models and highlights the importance of measuring overconfidence errors as part of model reliability assessment. DamageArbiter thus offers a more reliable framework for rapid, hyperlocal disaster damage assessment from street-view imagery.

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