Understanding the Appraisal Clause
When you and your insurer can’t agree on value, the appraisal clause keeps the process fair.
Most Washington auto insurance policies include an appraisal clause, which outlines how disputes about a vehicle’s value are resolved. If you and your insurance company can’t agree on what your car is worth — whether it’s for the cost of the repair, diminished value, a total loss valuation, or loss of use compensation — the appraisal clause provides a fair, structured process to move forward.
Each side selects a qualified appraiser. The two appraisers complete their separate appraisals and then exchange appraisals and try to reach an agreed value. If they can’t agree, they present their findings to a neutral umpire, whose decision is final.
- When to Use the Appraisal Clause -
You can invoke the appraisal clause when:
- Your insurer’s valuation feels too low or inaccurate
- You’ve received an unfair total loss payout
- Your diminished value claim was underpaid or denied
- Your loss of use reimbursement was calculated incorrectly
This process protects consumers from one-sided settlements and keeps value disputes evidence-based rather than emotional.
** Fun Fact - you and the insurer have an equal right to invoke the appraisal clause in the event of a value dispute. The insurer rarely does.
- Why Choosing the Right Appraiser Matters -
Not all appraisers are dedicated to the public interest — keep in mind, independent appraisers regularly work for insurance companies and may be biased toward minimizing payouts.
That’s why it’s important to select an appraiser who also holds a Public Adjuster license.
A Public Adjuster–Appraiser can:
- Represent ONLY you legally and ethically
- Identify valuation errors insurers often miss
- Prevent conflicts of interest
- Ensure your report reflects true market value
Choosing the wrong appraiser can unintentionally give your insurer an advantage. Choosing Claim Complete Auto means choosing someone who works only for you.
Representation Makes all the Difference
A Fair Process for Disputed Insurance Payments
When the other side has their own valuation experts, you need one too — one who’s truly independent.
Claim Complete Auto combines public adjusting authority with professional appraisal experience to make sure your valuation is accurate, justified, and respected.
Ensure your rights are protected and your claim’s value is represented fairly.
Contact Claim Complete Auto for qualified appraisal and public adjusting support in Washington.