Insurance & total-loss appraisals
Certified appraisers
Accepted in all 50 states and DC
Same-day available
The insurer's settlement offer comes from their valuation vendor. Yours should come from somewhere too. A certified, independent appraisal of your vehicle's actual cash value: the number the whole claim rests on. $300 flat, delivered in 24-48 hours.
A negotiation needs two numbers
When a claim goes sideways (a total-loss offer thousands under what the car would actually cost to replace, or a valuation report full of "comparables" from three states away), the fix isn't arguing feelings with an adjuster. It's putting a certified, documented actual-cash-value appraisal on the table: your vehicle, your options and condition, comparable sales from your actual market.
Many policies also contain an appraisal clause, a built-in mechanism for resolving valuation disputes where each side appoints an independent appraiser. We serve as that appraiser, and our reports are prepared for use there, in negotiation, or in court.
WHAT'S INCLUDED: $300 FLAT
- Certified independent ACV appraisal report
- Prepared by a licensed claims adjuster
- Comparable sales from your local market
- Options, trim, and condition documentation
- Independent appraiser services where the appraisal clause is invoked
- In-person inspection in Texas, 100% online everywhere else
- Formatted for court and arbitration use, delivered in 24-48 hours
From lowball to leverage
Send the offer
Share the insurer's valuation report and your policy. We'll tell you on the phone whether there's real money in disputing it.
We document the vehicle
In Texas, inspection at the tow yard, shop, or your driveway. Everywhere else it runs online from your photos and documents. Either way: options, condition, mileage, and the local comparables the vendor report skipped.
You negotiate with numbers
Certified report in your inbox within 24-48 hours. You counter, or invoke the appraisal clause and let the process work. Either way, it's no longer your word against theirs.
Every total loss appraisal: $300, flat
$300 flat, whether we inspect the vehicle in Texas or work online from your photos and the insurer's valuation report. No hourly meter, no mileage fees. If the gap between their offer and reality is too small to be worth it, we'll tell you that on the first call. Repaired instead of totaled? That's a diminished value appraisal, also $300 flat.
From $200
Total-loss appraisals by state
Total-loss and dispute questions
[faq-start]
- What is actual cash value, exactly?
- What's the appraisal clause and should I invoke it?
- When is a car legally a total loss in Texas?
- Do insurers take independent appraisals seriously?
- Can I keep the car after a total loss?
- How fast can you turn it around?
- What your specific vehicle (options, mileage, condition, local market) would have sold for the day before the loss. Not the cheapest similar listing the vendor's software could find.
- A policy provision where you and the insurer each hire an independent appraiser, and disagreements go to an umpire. It's often the fastest route to resolving a valuation dispute, and we'll read your policy's version with you before you decide.
- In Texas, when the cost to repair reaches 100% of the vehicle's actual cash value. Which means both halves of that comparison are appraisal questions, and you're allowed to have your own answer to each. Other states run lower thresholds, from about 70% in Colorado up, or use total-loss formulas like Ohio's; confirm the current rule for your state.
- They negotiate against them every day; that's the point. A certified report with documented comparables changes the conversation from opinion to arithmetic. Whether a carrier agrees with your figure is still a negotiation.
- Usually, as owner-retained salvage: the insurer deducts the salvage value from your settlement, and the title gets branded. The appraisal matters twice there: once for the ACV, once for a fair salvage deduction.
- Certified reports are delivered in 24-48 hours, and same-day is often available when the car is on a storage clock at a tow yard. In-person inspection is same-day across the Houston metro most days; outside Texas the process is 100% online, so turnaround doesn't depend on travel at all.
[faq-end]
Do bankruptcy courts require a professional appraisal?
Often filed together
Diminished value
The body shop fixed it. The market still knows. We document what the accident cost you. $300 flat.
Fleet & commercial
Consistent certified values across every unit you run, from box trucks to semi tractors. $250 per vehicle.
Classic & collector
Agreed-value and resale numbers built from real auction and dealer comps, not a depreciation curve. $250 flat.
Do bankruptcy courts require a professional appraisal?
Tell us what you're solving.
Lost title, lowball offer, tax bill that doesn't match the truck. We've filed a thousand of each. 281-709-3436, or send the form.
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