Free templates & resources
Free letter templates, worksheets and checklists for a total-loss dispute. No signup, no email gate. Use them as-is or adapt them to your situation.
Not legal advice. SecondAppraisal Inc is an independent vehicle-appraisal company, not a law firm. These templates are general educational content; they are not legal advice and using them does not create an attorney-client relationship. For advice on your specific situation, consult a licensed attorney in your state.
Free appraisal-clause demand letter template. Fill in your policy, vehicle and valuation details to build a letter that demands appraisal under your auto policy.
Free worksheet for building a documented counter-valuation against your insurer's total-loss offer. Captures comparables, adjustments, and the revised ACV calculation.
Free template for asking your insurer's claims supervisor or claims manager to review a total-loss offer and your documented counter-valuation.
Free template for filing a complaint with your state insurance department about a total-loss valuation you disagree with. It lists the offer, your counter-valuation and the errors you found.
Free checklist of the photos, records and documents of your vehicle to gather for a total-loss valuation.
A letter asking the insurer to credit factory options that appear on your VIN-decoded build sheet but are missing from the valuation report.
Free template to request the written total-loss market valuation report (CCC ONE, Mitchell, or Audatex Autosource) your insurer's offer is based on, with its comparable vehicles.
Free worksheet for deciding whether to keep your totaled vehicle (owner-retain). Captures repair cost, salvage haircut, and rebuilt-title resale impact.
Want us to do the appraisal?
These templates are free for you to use. If you'd rather we serve as your appraiser: The Appointed Appraiser Service is $495. It includes the Appraisal Research, our appointment as your appraiser under the appraisal clause of your policy, if it has one, determining the amount of loss with your insurer's appraiser, and the appraisal award letter. At least $1,000 more than your insurer's offer, or your $495 fee is waived, once we accept your consultation. Our results: $3,648 more than the insurer's first offer, on average, before our fee. From customers across our services whose consultations finished with a settlement on file; past results, not a promise or prediction, and not an average across all total losses.
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