When an insurer declares your vehicle a total loss, the first offer is generated by automated valuation software — CCC ONE, Mitchell, or Audatex — that frequently relies on inaccurate comparable vehicles, missing option packages, and unsupported condition deductions. Texas policyholders have the right to challenge that number through the policy's appraisal clause, without hiring a lawyer or filing suit.
Adjusters often pull comparable listings from outside your local market, where prices run lower than actual Texas demand for trucks and SUVs.
Factory packages, upgraded trim, and recent maintenance frequently get left off the valuation report entirely.
Condition grades and mileage adjustments are applied inconsistently — almost always in the direction that lowers the number.
Comparable listings pulled weeks old don't reflect current market conditions, especially after a regional event shifts used-vehicle supply.
We build a documented local market analysis using verified comparable sales in your specific Texas market — matched on trim, mileage, and condition.
We submit formal written notice invoking your policy's appraisal clause, which starts the insurer's response clock and moves the valuation decision out of the adjuster's hands.
We negotiate directly with the insurer's appraiser. If the two appraisers can't agree, an independent umpire issues a binding award on the amount of loss.
The appraisal clause and related provisions under Texas Insurance Code Chapter 1813 give policyholders a binding, out-of-court path to challenge a disputed total loss valuation. Recent legislation (Texas Senate Bill 458) expands and standardizes this right for personal auto policies — the exact applicability to your policy depends on its issue or renewal date, since some provisions are still moving through the state's rulemaking process. We confirm exactly where your policy stands as part of every free review rather than assuming one blanket rule applies to every claim.
"State Farm offered $24,200 on my Tahoe. Kingdom First reviewed my file, built an independent appraisal, and recovered $28,900. I had no idea I had the right to challenge it."
— Jennifer W., 2021 Chevrolet Tahoe, Dallas, TX · +$4,700 recovered
Testimonial is illustrative of a typical outcome. Individual results vary. Past recovery does not guarantee future results.
Flat-fee pricing, agreed upfront based on claim type. Free initial review — no obligation.
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