Total-loss appraisal by state
Total-loss thresholds, appraisal-clause rules, and your statutory rights vary by state. Pick yours below for a complete guide.
Alabama
Threshold: Total Loss Formula (TLF)
Alaska
Threshold: 100% of pre-loss value
Arizona
Threshold: Total Loss Formula (TLF)
Arkansas
Threshold: 70% of pre-loss value
California
Threshold: Total Loss Formula (TLF)
Colorado
Threshold: 100% of pre-loss value
Connecticut
Threshold: Total Loss Formula (TLF)
Delaware
Threshold: Total Loss Formula (TLF)
Florida
Threshold: 80% of pre-loss value
Georgia
Threshold: Total Loss Formula (TLF)
Hawaii
Threshold: Total Loss Formula (TLF)
Idaho
Threshold: Total Loss Formula (TLF)
Illinois
Threshold: Total Loss Formula (TLF)
Indiana
Threshold: 70% of pre-loss value
Iowa
Threshold: 50% of pre-loss value
Kansas
Threshold: 75% of pre-loss value
Kentucky
Threshold: 75% of pre-loss value
Louisiana
Threshold: 75% of pre-loss value
Maine
Threshold: Total Loss Formula (TLF)
Maryland
Threshold: 75% of pre-loss value
Massachusetts
Threshold: Total Loss Formula (TLF)
Michigan
Threshold: 75% of pre-loss value
Minnesota
Threshold: 80% of pre-loss value
Mississippi
Threshold: Total Loss Formula (TLF)
Missouri
Threshold: 80% of pre-loss value
Montana
Threshold: Total Loss Formula (TLF)
Nebraska
Threshold: 75% of pre-loss value
Nevada
Threshold: 65% of pre-loss value
New Hampshire
Threshold: 75% of pre-loss value
New Jersey
Threshold: Total Loss Formula (TLF)
New Mexico
Threshold: Total Loss Formula (TLF)
New York
Threshold: 75% of pre-loss value
North Carolina
Threshold: 75% of pre-loss value
North Dakota
Threshold: 75% of pre-loss value
Ohio
Threshold: Total Loss Formula (TLF)
Oklahoma
Threshold: 60% of pre-loss value
Oregon
Threshold: 80% of pre-loss value
Pennsylvania
Threshold: Total Loss Formula (TLF)
Rhode Island
Threshold: Total Loss Formula (TLF)
South Carolina
Threshold: 75% of pre-loss value
South Dakota
Threshold: Total Loss Formula (TLF)
Tennessee
Threshold: 75% of pre-loss value
Texas
Threshold: 100% of pre-loss value
Utah
Threshold: Total Loss Formula (TLF)
Vermont
Threshold: Total Loss Formula (TLF)
Virginia
Threshold: 75% of pre-loss value
Washington
Threshold: 80% of pre-loss value
West Virginia
Threshold: Total Loss Formula (TLF)
Wisconsin
Threshold: 70% of pre-loss value
Wyoming
Threshold: Total Loss Formula (TLF)
District of Columbia
Threshold: Total Loss Formula (TLF)