Disagree With a Total Loss Value? Do This First (Oregon & Washington)?
If your vehicle is deemed a total loss and the number looks low, you’re not stuck with it. Here’s a concise checklist to challenge the valuation, avoid delays, and use your policy’s appraisal clause when needed.
· Window sticker / build sheet (options and packages change value).
· Recent photos: photos before the loss are ideal even if it's just your vehicle in the background of another photo. Ring cameras can be useful for retroactively collecting conditioning photos.
· Maintenance & accessory records Tires, tonneau covers, towing equipment, recent repairs (even if your insurance company has declined to add value for them).
Ask for comps that match engine, packages, mileage, condition, and market. Remove out‑of‑area outliers and auctions.
* Challenge Automated Deductions
Valuation platforms often apply uniform deductions for mileage or condition. Flag errors and request manual review with your evidence.
* Use the Appraisal Clause if You’re at an Impasse
· It triggers independent valuations from both sides.
· In many Oregon policies, your appraisal fee is covered, so clients often pay $0.
* Keep It Professional (Templates Help)
· Ask for the full comp list and adjustments.
· Provide written disagreement with specific corrections (wrong trim, missing options, distance of comps).
If no progress, send the appraisal clause notice
· Waiting weeks to reply.
· Arguing only on principle (“it’s not fair”) vs. showing documented differences.
· Sending links without screenshots (listings change). Save PDFs or captures.
Want a second opinion or to invoke the clause? /contact or call 503‑405‑5091. We’ll review your policy and evidence the same day.