When an insurance company declares your vehicle a total loss, they are required to pay you its actual cash value (ACV) — what the vehicle was truly worth on the open market the moment before the accident. The problem is that insurers routinely use automated valuation systems that underestimate ACV, leaving Florida vehicle owners with settlements hundreds or thousands of dollars less than what they deserve.
Orlando Auto Appraisers provides independent, ASCAA certified total loss appraisals that give you the documented evidence you need to negotiate a fair settlement — or to invoke your policy's appraisal clause and take the dispute to a neutral umpire.
Under Florida Statute §626.9743, insurers must offer payment of the actual cash value of a totaled vehicle, minus any applicable deductible, within a specific timeframe. Florida law also allows you to dispute that value through an independent appraisal process — a right that many Orlando-area vehicle owners are unaware of.
Florida's high-traffic roadways, including I-4, the Florida Turnpike, and US-192 in the Kissimmee corridor, make serious vehicle accidents a regular occurrence. Hurricane seasons add another layer of total-loss claims. Our appraisers have handled hundreds of total-loss appraisals across Orange County, Seminole County, and Osceola County.
If your vehicle was damaged in a hurricane, tropical storm, or flood event, we are also experienced with the unique considerations that apply to storm-related total loss claims, including the impact of saltwater intrusion and electrical damage on vehicle value.
Our certified appraisers conduct a comprehensive evaluation of your vehicle and the surrounding market to establish its true actual cash value. The process includes:
We will also represent you in the appraisal process under your insurance policy's appraisal clause, negotiating directly with the insurer's appraiser. If an umpire is needed to resolve the dispute, our report and expertise will support your position throughout the process.
A total loss appraisal from Orlando Auto Appraisers is the right move when:
Our 24+ years of experience in automobile claims and appraisal means we know exactly how insurance companies calculate total loss values — and exactly where to challenge them with documented evidence.
Free initial evaluation. We serve Orlando, Orange County, Seminole County, Osceola County, and all of Central Florida.