The St. Lucie Appraisal Company provides Automobile Total Loss Appraisals, Appraisal Clause negotiations and Expert Witness services all 50 States.
Choose your state below to learn more about insurance total loss disputes, appraisal clause rights, and your rights as policyholders.
Alabama We provide independent total loss and diminished value appraisals throughout Alabama, including major markets such as Birmingham, Montgomery, and Mobile.
Alaska Alaska vehicle owners in Anchorage, Fairbanks, and Juneau rely on independent appraisals that account for the state’s unique remote‑market pricing.
Arizona In Arizona, where desert heat and long commutes make reliable transportation essential, drivers in Phoenix, Tucson, and Mesa frequently challenge insurer valuations that fail to reflect strong used vehicle demand. Independent appraisals help document real market value.
Arkansas Arkansas policyholders in Little Rock, Fayetteville, and Fort Smith use independent valuations to challenge insurer assessments.
California California is one of the most complex vehicle markets in the country. From Los Angeles traffic to Bay Area pricing and San Diego demand, insurer valuation software often struggles to keep pace with California’s rapidly changing market. Independent appraisals help document fair market value under California claim regulations.
Colorado Colorado drivers in Denver, Colorado Springs, and Aurora rely on independent valuations to address insurer discrepancies in rapidly shifting markets.
Connecticut Connecticut policyholders in Hartford, New Haven, and Stamford use independent appraisals to correct insurer‑selected comparables.
Delaware Though geographically small, Delaware’s vehicle market is heavily influenced by nearby Pennsylvania, Maryland, and New Jersey pricing. Independent appraisals help ensure insurer offers reflect actual regional market conditions.
District of Columbia DC vehicle owners use independent appraisals to address insurer valuations in a dense urban market shared with nearby Arlington and Alexandria.
Florida Florida policyholders frequently invoke the Appraisal Clause and rely on independent valuations to obtain fair settlements.
Georgia From Atlanta’s high-volume commuter market to coastal Savannah and Augusta, Georgia drivers often seek independent appraisals when insurer settlement offers fail to reflect local replacement costs and vehicle demand.
Hawaii Vehicle values in Hawaii are unlike anywhere else in America. Limited inventory, shipping costs, and island-specific demand in Honolulu, Hilo, and Maui can significantly affect fair market value. Independent appraisals help account for these realities.
Idaho Idaho policyholders in Boise, Meridian, and Nampa use independent appraisals when insurer valuations fail to reflect true regional pricing.
Illinois Illinois drivers in Chicago, Aurora, and Naperville rely on independent valuations to correct insurer‑generated reports.
Indiana Indiana policyholders in Indianapolis, Fort Wayne, and Evansville use independent appraisals to document accurate pre‑loss value.
Iowa Iowa residents in Des Moines, Cedar Rapids, and Davenport rely on independent valuations to address insurer‑selected comparables.
Kansas Kansas drivers in Wichita, Overland Park, and Kansas City often invoke the Appraisal Clause and rely on independent valuations.
Kentucky Kentucky policyholders in Louisville, Lexington, and Bowling Green use independent appraisals to challenge insurer assessments.
Louisiana Louisiana drivers in New Orleans, Baton Rouge, and Shreveport rely on independent valuations to address insurer discrepancies.
Maine Maine residents in Portland, Lewiston, and Bangor use independent appraisals to document accurate market value in regions with limited comparables.
Maryland Maryland drivers in Baltimore, Silver Spring, and Frederick rely on independent valuations to correct insurer‑generated reports.
Massachusetts Massachusetts policyholders in Boston, Worcester, and Springfield use independent appraisals to address insurer valuations.
Michigan Michigan drivers in Detroit, Grand Rapids, and Ann Arbor rely on independent valuations to counter insurer assessments.
Minnesota Minnesota policyholders in Minneapolis, Saint Paul, and Rochester use independent appraisals to document accurate pre‑loss value.
Mississippi Mississippi drivers in Jackson, Gulfport, and Southaven rely on independent valuations to correct insurer discrepancies.
Missouri Missouri policyholders in St. Louis, Kansas City, and Springfield use independent appraisals to establish fair market value.
Montana Montana drivers in Billings, Missoula, and Great Falls rely on independent valuations in a state with wide regional pricing differences.
Nebraska Nebraska policyholders in Omaha, Lincoln, and Bellevue use independent appraisals to correct insurer‑selected comparables.
Nevada Nevada drivers in Las Vegas, Reno, and Henderson rely on independent valuations to address insurer discrepancies in fast‑changing markets.
New Hampshire New Hampshire residents in Manchester, Nashua, and Concord use independent appraisals to challenge insurer assessments.
New Jersey New Jersey drivers in Newark, Jersey City, and Paterson rely on independent valuations in a densely populated statewide market. South Jersey is a different market.
New Mexico New Mexico policyholders in Albuquerque, Las Cruces, and Rio Rancho use independent appraisals to correct insurer discrepancies.
New York New York drivers in New York City and upstate NY rely on independent valuations to address insurer‑generated reports.
North Carolina North Carolina policyholders in Charlotte, Raleigh, and Greensboro use licensed independent appraisers to document accurate pre‑loss value.
North Dakota North Dakota drivers in Fargo, Bismarck, and Grand Forks rely on independent valuations in rural and regional markets, often hard to come by.
Ohio Ohio policyholders in Columbus, Cleveland, and Cincinnati use independent appraisals to correct insurer‑selected comparables.
Oklahoma Oklahoma drivers in Oklahoma City, Tulsa, and Norman rely on independent valuations to challenge insurer assessments.
Oregon Oregon policyholders in Portland, Salem, and Eugene use independent appraisals to support Appraisal Clause negotiations.
Pennsylvania Pennsylvania drivers in Philadelphia, Pittsburgh and everyone in-between rely on independent valuations to establish fair market value.
Rhode Island Rhode Island residents in Providence, Warwick, and Cranston use independent appraisals to challenge insurer valuations.
South Carolina South Carolina drivers in Charleston, Columbia, and Greenville rely on independent valuations to address insurer discrepancies.
South Dakota South Dakota policyholders in Sioux Falls, Rapid City, and Aberdeen use independent appraisals to correct insurer‑selected comparables.
Tennessee Tennessee drivers in Nashville, Memphis, and Knoxville rely on independent valuations to document accurate pre‑loss value.
Texas Everything is bigger in Texas — including vehicle market differences. From Houston and Dallas to Austin to El Paso to Amarillo and San Antonio, Texas drivers frequently invoke the Appraisal Clause when insurer settlement offers fail to reflect strong truck demand and regional pricing differences.
Utah Utah drivers in Salt Lake City, West Valley City, and Provo use independent appraisals to address insurer discrepancies.
Vermont Vermont residents rely on independent valuations in regions with limited comparable vehicles.
Virginia Virginia drivers in Virginia Beach, Norfolk, Roanoke and Richmond use independent appraisals to challenge insurer assessments.
Washington Washington policyholders in Seattle, Spokane, and Tacoma rely on independent valuations to address insurer discrepancies.
West Virginia West Virginia drivers in Charleston, Huntington, and Morgantown use independent appraisals to correct insurer‑selected comparables.
Wisconsin Wisconsin policyholders in Milwaukee, Madison, and Green Bay rely on independent valuations to support fair settlement negotiations.
Wyoming Wyoming drivers in Cheyenne, Casper, and Laramie use independent appraisals to address insurer discrepancies in rural markets.
Frequently Asked Questions
Do you provide total loss appraisals in all 50 states?
Yes.
How much does a total loss appraisal cost?
$275.00 for most vehicles.
Can I dispute an insurance total loss offer?
Yes, if you believe the insurance company undervalued your vehicle.
Do you help with appraisal clause disputes?
Yes. There is an additional fee of $275.00 to represent you in Appraisal Clause negotiations.
What insurance companies do you work against?
We assist vehicle owners disputing low total loss offers from State Farm,
GEICO, Progressive, USAA, Allstate, Liberty Mutual, and Travelers and others in all
50 states.
What is a typical Return on Investment hiring St. Lucie Appraisal for a total loss dispute.
READ CUSTOMER REVIEWS OF THE ST. LUCIE APPRAISAL COMPANY
REQUEST AN AUTOMOBILE VALUATION APPRAISAL – $275.00 for most cars.
RV AND HEAVY EQUIPMENT OWNERS PLEASE CALL FOR RATES.
Before making your payment, please email the insurance company CCC or other worksheet to contact@stlucieappraisal.net
What Our Clients Say
Don T (California)- Thank you for your services. I am happy with the total loss valuation appraisal and feel the valuation to be true. When I drive to Tesla supercharger stations, none of the other Tesla’s stand out or is as nice as mine, and I get that comment all the time from Tesla and non-Tesla owners. It was my perfect dream car and is irreplaceable. You just can’t put a price tag on something like that. So it’s very insulting when Geico and CCC tries to value my car at such a ridiculous amount. So thank you for your great work and I will definitely be leaving you great reviews. Franklin was very helpful and extremely knowledgeable. He took his time to explain the process and what I would be expecting before I even hired him. I felt very comfortable working with him and couldn’t be more happy with his services. If you had a car that you loved and cherished and is irreplaceable, and you want to make sure it gets appraised at the right value even though you can’t put a price tag on it…then Franklin and The St. Lucie Appraisal Company is your go to appraiser. Thanks Franklin!
Gino B (Washington)- I know firsthand that if you are reading this testimonial – you’ve had some car problems (stolen, damaged, accident, etc.) You are probably in the right spot.
When my truck was stolen and recovered (with a lot of damage), my Insurance company (USAA), who I thought would be there for me when the chips were down made me a really low-ball offer. After some simple internet searches – it seems USAA has a habit of letting down their insurance customers.
I was pulling my hair out battling it out with USAA’s lowball offer until I found Franklin’s St. Lucie Appraisal team. Franklin quickly assisted me in understanding my rights, my options and provided expert advice and engaged with all parties as my representative in the appraisal process resulting in an award letter almost 3X higher than USAA’s initial low-ball offer. 3 TIMES HIGHER!
USAA initial offer was about $5K – Franklin was able to negotiate with other appraisers and get me a fair Actual Cash Value of $15K through the process. The juice is definitely worth the squeeze folks.
He was consistently available, professional, friendly, and considerate and took the time to understand my claim and help ensure I take the steps that were right for me. Before you go anywhere else – drop his team a line – you will be glad you did.
This is an Open Education Resource focused on automobile total losses, the appraisal clause, collective knowledge and the sharing of scholarly content.
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