Free templates & resources
Practical, field-tested templates for every step of the total-loss dispute process — the same letter structures and worksheets we use with our appraisal clients. No signup, no email gate. Use them as-is or adapt 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. Use this when your insurer rejects your counter-offer and you're ready to invoke the binding appraisal process. The same letter structure we use with our appraisal clients.
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 escalating a stuck total-loss negotiation to your insurer's claims supervisor or claims manager. Use after the frontline adjuster won't move.
Free template for filing a complaint with your state insurance department about an unfair total-loss valuation. Most state DOIs require insurers to respond within 30-60 days.
Free checklist of evidence to gather in the first 72 hours after a total-loss declaration. Photos, records, and documentation that drive higher settlements.
Use this letter to request that the insurer credit factory options that appear on your VIN-decoded build sheet but are missing from the valuation report.
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 handle the negotiation?
These templates are free for you to use. If you'd rather have our team build the counter-valuation and run the negotiation, our clients average $3,260 in additional settlement value — and we guarantee at least $1,000 more or you pay nothing.
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