July 27, 2017 Jen Petty


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!

Fill out my online form.