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📍 Appraisal Services Available Nation Wide!
TOTAL LOSS APPRAISAL SERVICES
Don't Guess Whether Your Insurance Company's Value Is Right.
When your vehicle is declared a total loss, the insurance company's valuation can directly affect the amount of your settlement.
If you believe the value doesn't accurately reflect your vehicle or the current market,
provides professional, independent total loss appraisal services to determine and support its fair market value.
26+ years of total loss and vehicle valuation experience.
When Should I Consider an Independent Appraisal?
You may benefit from an independent review if:
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The insurance settlement seems significantly lower than comparable vehicles you're finding.
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The valuation contains incorrect mileage, trim, options, or equipment.
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The comparable vehicles don't reasonably represent your vehicle.
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Large condition deductions have been applied.
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Your vehicle is unusual, modified, luxury, performance, electric, collector, commercial, or otherwise difficult to value.
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You have invoked—or are considering invoking—the appraisal clause in your policy.
• You simply want an independent professional opinion before accepting the settlement.
Not sure whether your valuation is worth disputing? Send it to us first.
MORE THAN JUST A NUMBER. A FULLY SUPPORTED OPINION OF VALUE
Every total loss assignment is personally researched and analyzed by Thomas Cardwell.
We don't begin with a predetermined number, and we don't rely solely on automated valuation output.
We evaluate the individual vehicle and the market evidence supporting its value, including vehicle configuration, mileage, equipment, condition, comparable vehicles, geographic market considerations, and other relevant factors.
When retained for an appraisal-clause assignment, Cardwell Claim Authority can also communicate directly with the opposing appraiser, evaluate the evidence presented by both sides, negotiate professionally, and work toward an agreed value or proceed through the policy's umpire process when necessary.
We don't create value. We determine value based on the evidence.
HOW A TOTAL LOSS APPRAISAL WORKS
1 — Send Us Your Valuation
Provide the insurance company's valuation report along with basic information about your vehicle.
2 — We Review the Claim
Before asking you to hire us, we can review the circumstances and determine whether professional appraisal may make sense.
3 — Independent Market Valuation
If retained, Cardwell performs an individualized market analysis and prepares a fully supported opinion of value.
4 — Appraisal & Negotiation
When the policy appraisal clause has been invoked, we communicate directly with the insurer's selected appraiser and work toward an agreed value.
5 — Resolution
If the appraisers agree, the value is documented through the appraisal process. If they cannot agree, the matter may proceed to an umpire as provided by the policy.
Why Cardwell?
26+ YEARS
Total Loss & Claims Experience inside MAJOR Insurance Carriers
PERSONALLY HANDLED
Every Cardwell valuation is personally researched and prepared.
AVR
Fully Supported Authority Value Report
PROFESSIONAL HANDLING
We manage the appraisal process from valuation through resolution.
You don't have to figure it out alone.
Send us your insurance valuation and basic vehicle information. We'll review the circumstances and help you determine whether an independent appraisal makes sense.
Experience. Integrity. Results.
STRAIGHTFORWARD PRICING
Total Loss Appraisal — $450
Our standard total loss appraisal fee includes professional vehicle valuation, supporting market research, preparation of the Authority Value Report, and appraisal-clause negotiation through resolution.