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 template to request the written total-loss market valuation report (CCC ONE, Mitchell, or Audatex Autosource) your insurer's offer is based on. You're entitled to see the report and 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 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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