USPAP-compliant appraisal
Every valuation is prepared to the Uniform Standards of Professional Appraisal Practice, the standard adjusters and umpires expect.
Free estimate · No payment up front
Total Loss Claim
Lowball offer on your totaled car?
Insurers value your totaled vehicle with their own software and their own comparables. An independent appraisal often lands thousands higher. Get your free estimate in about three minutes.
When a car is totaled, the insurer owes you its actual cash value on the day of the accident. That number comes from their valuation vendor, and it is negotiable.
No card required. See your range before you decide.
$350 flat — no percentageUSPAP-compliant reportAppraisal clause included
The Process
Five steps, most of it on our side
01
Upload their valuation
The carrier's total loss report
02Free
Free estimate
What it should be worth, no cost
03
Independent appraisal
USPAP-compliant, adjuster-ready
04
Demand letter
Drafted for you, ready to send
05
Support until it settles
You negotiate, we back you with data
We do not negotiate with the insurer on your behalf. You stay in control of your claim; we supply the appraisal, the demand letter and the guidance behind them.
Why SnapClaim
What you actually get for $350
Methodology you can see
Local comparable sales, mileage, trim, options and condition adjustments — all shown, not hidden behind a vendor's black-box number.
Demand letter drafted for you
Your report ships with a written response to the carrier's offer, citing the valuation.
Real support, not a chatbot
If the adjuster disputes the figure, our team helps you read their response and prepare your reply.
No percentage, ever
$350 flat, appraisal clause included. We do not take a cut of your settlement, and the estimate is free.
See the number before you pay
Your estimated range is free. You only buy the report if the gap is worth pursuing.
First-Party Claims
The appraisal clause in your policy
If you are claiming through your own insurance company, your policy almost certainly contains an appraisal clause. It is a dispute resolution process written into the contract: when you and the insurer disagree on the value of a total loss, each side names an independent appraiser, and the two appraisers agree on a value. If they cannot agree, a neutral umpire decides. The result is binding on the amount.
It takes the decision out of the adjuster's handsThe valuation is settled between appraisers, not by the person who wrote the offer.
It is your contractual rightYou do not need the insurer's permission to invoke it. Send written notice naming your appraiser.
It applies to the amount, not to coverageAppraisal resolves how much the vehicle was worth. It does not decide whether the claim is covered.
We act as your appraiserOur valuation is the appraisal you submit, and we handle the appraiser-to-appraiser exchange.
No extra fee for the appraisal clauseAppraisal clause support is included in the $350. We do not charge separately for it, and we never take a percentage of your settlement.
Real Numbers
What an undervalued total loss looks like
2024 Toyota RAV4 XLE
Carrier used out-of-market comparables
Carrier offer$27,400
Fair market value$32,100
Gap$4,700
2023 Honda Accord EX-L
Mileage and trim adjusted incorrectly
Carrier offer$24,900
Fair market value$28,300
Gap$3,400
2025 Ford F-150 Lariat
Package options not credited
Carrier offer$48,600
Fair market value$56,900
Gap$8,300
2024 Tesla Model Y
Regional pricing understated
Carrier offer$35,200
Fair market value$40,500
Gap$5,300
Illustrative examples. Your amount depends on your vehicle, mileage, condition, options and local market.
Eligibility
Who can dispute a total loss valuation
The insurance company declared your vehicle a total loss.
You have their valuation report or written settlement offer.
Works for first-party claims (your own carrier) and third-party claims (the at-fault driver's carrier).
If the vehicle was repaired instead of totaled, you want a diminished value claim.
Leased vehicles follow a different process — the payout goes to the lienholder first.
Not sure which applies? The next step asks a few questions and tells you where you stand before you pay anything.
Pricing
Flat pricing, money-back guarantee
$350per report
No subscription, no percentage of your settlement, no extra fee for the appraisal clause. You see your estimated range before you decide to buy.
- USPAP-compliant fair-market valuation
- Local comparables and full methodology
- Appraisal clause support included
- Demand letter drafted for you
100% Money-Back Guarantee
If your final settlement from the insurance company is less than $1,000 above their initial offer, we refund the full $350.
*Conditions apply. See our Money-Back Guarantee page for full details.
Free estimate range. No payment until you've seen it.