When an insurance company's offer doesn't match the true value of your vehicle, you have options — and Orlando Auto Appraisers is here to help you use them. We provide certified, independent insurance appraisals that give you the documented evidence needed to negotiate a fair settlement, invoke your policy's appraisal clause, or support your claim in arbitration or litigation.
As the only ASCAA Certified Auto Appraiser in Central Florida, our appraisals carry the professional credibility that insurers, attorneys, and courts recognize. Our reports follow USPAP standards and are fully defensible in any Florida forum.
Standard auto insurance policies pay actual cash value (ACV) in a total loss — a depreciated value that may be far less than what you paid for your vehicle or what it would cost to replace it. Specialty insurance policies offer an alternative:
Both types of specialty insurance require a professional appraisal at policy inception and when you renew or update your coverage. Orlando Auto Appraisers provides these appraisals for Hagerty, Grundy, American Collectors, Heacock Classic, and all other specialty carriers. We conduct on-site inspections at your Orlando-area location and deliver a comprehensive, signed appraisal report within your insurer's required format.
Most Florida auto insurance policies include an appraisal clause that gives you the right to demand an independent appraisal when you disagree with the insurer's valuation of your claim. This process is often underutilized — but it is one of the most powerful tools available to policyholders.
Under the appraisal clause process:
Orlando Auto Appraisers can serve as your independent appraiser in this process. We have extensive experience preparing appraisal clause submissions and working with umpires throughout Central Florida. Our ASCAA certification and detailed, data-driven reports position your claim for the strongest possible outcome.
Florida consistently ranks among the top states for auto insurance claims nationally. The Orlando metropolitan area faces particular challenges:
When your insurance settlement doesn't reflect these realities, an independent certified appraisal is your most effective first step. We provide free initial consultations to help you understand your options before you commit to any course of action.
Serving all of Orlando, Orange County, Seminole County, Osceola County, and Central Florida. Free initial evaluation on every claim.