Total Loss Due To Flooding? How Victims Can Fight A Low Offer by Invoking the Appraisal Clause

Prove a point on your total loss due to flooding after Hurricane Harvey with the Appraisal Clause

If you’re a victim of the recent flooding in South Texas and have a total loss due to flooding with your carrier, you should call our office immediately and make sure that any offer you get is fair and reasonable.

Now that South Texas is dealing with the aftermath of Hurricane Harvey and Florida and Georgia brace for the impact of category 5 Hurricane Irma, victims will undoubtedly be dealing with total loss claims in exponential numbers and they need to know that insurance companies routinely handle these claims in a very dogmatic manner. The biggest tactic is for a carrier to simply refuse to negotiate. They will simply tell you, “take it or leave it”. They like to claim that they do not have the authority to negotiate outside of their captive company market reports.

This is completely untrue.

Unfortunately, most insurance adjusters are brainwashed by training that tells them how it is, and then they simply regurgitate the same brainwashing mantra given to them by their superiors.

The standard personal auto insurance policy in Texas contains an appraisal clause, and that clause is typically very vague. The good thing is that there is case law precedence that clarifies many of the questions that arise when either the insurance company or the policyholder invokes the clause.  Simply put, the appraisal clause is meant to get two independent appraisers to discuss and attempt to settle the value of the loss. The point is to get two people that don’t have a dog in the fight to discuss the value of the claim and see if they can come to a meeting of the minds.  Simple, right?

I’ll Pretend I Didn’t Hear That

As simple as it sounds, most insurance companies refuse to acknowledge the point of the appraisal clause like a first grader plugging their ears and throwing a tantrum. A lot of times, they will attempt to name themselves (an employee) as their own appraiser! It sounds silly, but the fact is they do it. The reason they do it is because they can. Most people simply give up when their insurance company bullies them. If you knew that you could simply steal from somebody and, even if you got caught, the most that would happen is that you’d have to give back what you stole, the only thing stopping you from stealing would be your good nature.

Trust me, insurance companies are not “good-natured”.

They are in the business of profit.

Even when a savvy victim is able to find good help on their total loss claim, the insurance company still makes profit because there are not enough people giving out good help at an affordable price when it comes to dealing with a total loss due to flooding (or any total loss claim for that matter). Attorneys will shy away from total loss claims because there is no money in them. Unfortunately, most attorneys also work for profit alone (although we have searched high and low and have managed to locate some of the good guys across the U.S.).

You must be willing to fight.

Profit or Principle?

Of course, I talk a big talk, but anybody with a brain knows that I must make money to stay in business. I do charge for appraisals if they are needed, but I primarily work on the principle of the matter. I fight so they will have to pay what is owed to the people that have been paying premiums! That feeling of elation when I prove something that most don’t believe can be done is good payment, and it makes word of mouth referrals easy to come by.  In fact, even though I do charge for appraisals when they’re needed, I routinely help people with their case for free, just to prove there is somebody who will and I ALWAYS review cases for free up front to help victims devise a plan.

Insurance companies just can’t figure out how somebody does it. That’s because they are not honest and work for money!

Those dishonest carriers who are out for profit will never figure out the trick (and they are the majority). Only honest insurance companies (yes there are a few. . . Met Life. . . Amica. . ) use my services because they are alright with getting the truth – not just the truth according to them.   The vast majority of insurance carriers hate me and I am OK with that.

Doing The Right Thing

The basis of our mission at Petty Details, LLC is to pay attention to the details and do the right thing.  We think everything else will fall into place if we focus on the simple and seemingly petty details (like doing the right thing). Insurance companies refuse to do the right thing.  Their mission is to make money by putting in place profitable claims handling guidelines and forcing their staff to abide by them.

I’ll tell you the truth whether it means you are getting free help or not.  Just call my office and we’ll discuss your claim and options. If I don’t have the answer to your question, I know somebody who does. Sometimes the answer sucks, but we stick to our guns and information is always free at Petty Details, LLC.

Call us now at 214-227-2154 or use our form below to request a TOTALLY FREE consultation with me personally to discuss your total loss due to flooding or any other reason!


OFFICIAL OFFER WAS OVER $7000 LOW ON A 2006 Dodge Ram 2500 SLT

Hey guys!  It has been quite a while since we had time to post on our blog because we’ve spent our year so far helping tons of accident victims get a fair shake when dealing with diminished value and total losses.

We’ll start today with our latest success on a little known power you have against your own insurance company (1st party claim) if you have a total loss:


Even if you know about the appraisal clause, it doesn’t mean it will be effective for you since most insurance companies have their own idea about how the appraisal clause works (even though it is in black and white in the contract) so you have to have an experienced expert that knows the rules and how to navigate the process legally.  We have inside knowledge that the appraisal clause is on top of everyone’s mind working inside the claims department because it is costing them a ton of money to defend the practices of their uneducated adjusters.

The requirement that appraisers and umpires be “disinterested” is something that the insurance companies purposely and habitually fail to recognize.  The two appraisers working the claim must be totally disinterested.  Their concern should be about the TRUE VALUE of the loss.  It isn’t YOUR SIDE VS. THEIR SIDE.  It is NO SIDE VS. NO SIDE!  Insurance companies try their hardest to maintain control of the process and many times they will name one of their OWN EMPLOYEES as their “appraiser” hoping you don’t know any better.  Until you call them out, they will PRETEND that is how it works.  It isn’t and, if you want to prove it, have them call our office and we’ll school them, like we routinely do.


Dan contacted us because he felt the offer on his totaled 2006 Dodge Ram 2500 SLT Texas Edition was extremely low.  Once we reviewed, we confirmed that the offer was THOUSANDS too low. We helped him invoke the appraisal clause under his policy and navigated the claim to a proper conclusion.

One phone call is all it took folks – one phone call and invocation of the appraisal clause corrected the offer and ultimately the two totally independent expert appraisers agreed to over $7000 more than the original offer!

Let me say that again…


If you think you think you are getting a low offer, then this should show you the value of invoking the appraisal clause.  It is highly valuable to hire a true independent, honest and disinterested appraiser!

We hope you don’t delay in contacting our office if you have a total loss dispute. You would be shocked at how often invoking the appraisal clause causes an insurance company to make a more accurate offer.  We make a living telling people the truth and insurance company adjusters make a living following the rules that their boss gives them so they don’t get fired.  Invoking the appraisal clause takes the “yes-man” adjuster out of the mix and puts the power in the hands of two totally independent professionals who don’t have a dog in the fight.

Don’t waste another google search trying to figure out what to do!  Request a consultation on your total loss today absolutely free and see if you can be the next to get on our list of appraisal clause wins like our friend Dan!

Auto Accident – Do You Need an Attorney?

do I need an attorney

Do you need an attorney for your auto accident?

Answer the question for yourself!

Let me start by saying that some people never need an attorney, and others will always need an attorney.

Additionally, this article is based on my 15 years of claims adjusting experience. I have developed a simple little formula that will help you decide if you need an attorney or not. Keep in mind, this quiz is tailored for auto accidents only, and I make no warranties or guarantees that your result is a foolproof answer.

Ultimately, the only person that can decide if you need an attorney is you.

With that being said, simply answer the following 15 questions and then add up your answers. All of these questions are yes or no questions. Whatever answer you have the most of is your answer to the title of this article.


How Our FREE Total Loss Claim Consultation Could Make You Money!

total loss claim

True stories about how our free total loss claim consultation can make you money!

We talk to a lot of people from day to day and many times, Justin has to tell people who call the hard truth that it might not be worth spending money but sometimes, with just that one call, he can help you make decisions that could make you money in the end!  There aren’t a lot of experts out there talking about total losses so Justin decided to share his experiences with some of our clients with you good people researching about how to get your total losses settled.

Insurance company refuses to total my vehicle but I want it totaled – what can I do?

insurance company refuses to total

What if I want to total my vehicle but the insurance company refuses to total?

Frankly, I’m surprised that I don’t get asked the title question more often, but I know why I don’t.  Simply put, it is the dogmatic way insurance adjusters explain the total loss or repair process to accident victims.

From the onset of dealing with most adjusters, the tone is set by the adjuster that what they say is how it is.  Most simply TELL people how it is.  The art of negotiation is lost and with it, common sense.  This isn’t their fault; their supervisor told them how it was when they started and as they trained.  But don’t blame the supervisor because his manager told him how it was when he started.  But don’t blame the manager. . . you see where I am going with this?  It is a mindset drilled into adjusters that THEY are the ones that decide if a vehicle is totaled or not.  They are sadly mistaken.

So, listen, it is YOUR vehicle.  YOURS.  Not theirs.  YOU decide what to do with it, not them.  Remind them of this if you disagree with them.  Ask them whose name is on the title.  After you have cleared up the issue of ownership and ultimate control over the destiny of your vehicle, then you have to implement a plan to bring the destiny to reality.


Rental Car on Total Loss Claims in Texas

Rental Car on Total Loss Claims in Texas

rental on total loss claimsBlogs are buzzing because in the recent Texas Supreme Court Case, J&D Towing LLC v. American Alternative Insurance Corporation 2016 WL 91201 (Tex. 2016), a major wrong that has been going on since before there were even cars was righted.


Collision Repair – 7 Things You Need to Know

auto collision repair

Worried about your collision repair after an auto accident?

You ought to be.

In nearly 15 years as an adjuster, I have seen some doozies when it comes to collision repair.

Not all shops are crooks, but body shops, like any other business, are in business to make money. Most people are not experts on collision repair, and body shops know this. Taking your car to a body shop is sort of like going to the doctor or hiring an attorney. You kind of have to trust what the doctor or lawyer says because they are specially trained. It is the same for a body shop, you kind of have to trust what they tell you because they are specially trained.


Soft Tissue Injury – Calculate the Value!

soft tissue injury

Neck and back sore? You might have a soft tissue injury.

If you have been involved in an auto accident, the chances are you may suffer some discomfort and pain in your neck and back. If you don’t have a severe injury, then what is most likely is that you have what they call a ” soft tissue injury “. Essentially, the physics involved with two vehicles colliding is what has caused this. Inertia, you know? A soft tissue injury is hard to detect with conventional medical equipment. X-rays will not show a muscle sprain or strain. This is the problem with a soft tissue injury, it is hard to document. So, if you have a one, then what is the pain and suffering worth?

Read more

Get Expert Advice on your total loss with our total loss ebook!

Fight with our expert advice on your total loss!

expert advice on your total loss ebookSo the insurance company has decided to total your vehicle and they sent you a computer generated valuation report with an offer that seems WAY TOO LOW!  Unfortunately, that is the norm and not the exception when dealing with a total loss auto claim.  We have this conversation with people DAILY and have now taken the time to compile our best expert advice on your total loss in this book called “Fight For Your Total Loss!  Issues with Insurance Company Total Loss Valuation Reports” so you know how it works from the inside when negotiating your total loss offer.  Use these tools and expert advice on your total loss to get the adjuster to re-evaluate their valuation and get closer to a number that is fair.  We don’t give legal advice but we will surely shed some light on your total loss claim and how to get the best settlement after an auto accident.

Get expert advice on your total loss for the low price of $9.95 and make the most of your claim!

Find answers to these issues and information on:

  • Formal Appraisals – what constitutes a formal appraisal?

  • Biased reports – Find out how to fight against the “hired hands” at the insurance company

  • Mileage Adjustments – Argue against bogus mileage adjustments

  • Comparable vehicles – They usually aren’t “comparable”

  • List vs. Take price – What you need to know

  • Options Adjustments – How they nickel and dime you and how to play the game

  • First party / Appraisal Clause Invocation – Is your total loss claim against your own insurance company?  Rights you have in that situation are explained.

The expert advice on your total loss that we share in this ebook has proven to be successful over and over again and since our mission is to provide you with a value you can’t find anywhere else, we know teaching you these insider tips will help you get the most out of your total loss settlement and get you on your way to moving on with your life!

Remember, total losses are always a negotiation and you have to have the right arguments in your pocket to make the most out of a disaster like having your car totaled and fight until you have a check that is fair.  We’ll help you do that by sharing all the tricks of the trade so you don’t get taken advantage of when trying to get your total loss settled.

Click here to get your copy today!

Total Loss Settlement Tips

total loss settlement fightTOTAL LOSS SETTLEMENT TIPS

What should you do when you are dealing with a total loss?  We get so many questions every day from people involved in an accident where their vehicle was totaled and they are now getting a low offer from the insurance company and just don’t know what to do next.  We always tell them that it is always a negotiation and that they have to fight and prove their points with the information we are revealing below today!  We put together some total loss settlement tips to get you moving in the right direction on your auto claim.


Drop us a line!