Understand the valuation
We help you review the numbers and identify overlooked value in your claim.
Know your policy options
We explain your rights under your policy and Texas law—clearly and simply.
Build a documented response
We help you develop a strong, organized response to support a fair settlement.
Our Simple Three-Step Process
Request Your Free Review
Submit a few details about your claim and upload your documents.
We Review & Analyze
Our experts analyze your claim and identify potential undervaluation.
You Get Clarity & Options
We deliver a clear summary of our findings and next steps you can take.
Request Your Free Review
Submit a few details about your claim.
We Review & Analyze
Our experts analyze your claim and identify potential undervaluation.
You Get Clarity & Options
We deliver a clear summary of findings and next steps.
Texas Insurance Code Chapter 1813
Chapter 1813 allows Texas policyholders to request an independent appraisal when there is a dispute over the value of a total-loss claim. Each side selects an appraiser, and the two appraisers choose an umpire. A decision is then made based on the majority.
Learn more about Chapter 1813This law exists to help level the playing field—
and ensure you have a fair process when the insurance company and you disagree on value.
Learn more about SB 458Let's Talk
Questions about your total-loss claim? We're here to help.
Monday – Friday
8:00 AM – 6:00 PM CT
Start Your Free Review
It only takes a few minutes.
Who Qualifies for a Free Review?
- Your vehicle was declared a total loss by a Texas insurer
- You received a settlement offer or valuation report (CCC ONE, Mitchell, or Audatex)
- You believe the offer is lower than what your vehicle was worth
- Your policy was issued or renewed in Texas
Our total-loss appraisal and valuation review service explains exactly what the free review includes and what happens next.
Common Valuation-Report Problems
- Wrong trim level — the software defaults to the base model
- Missing options and packages that add real value
- Subjective condition deductions on well-maintained vehicles
- Comparable vehicles from other markets, older years, or higher mileage
- Arbitrary "projected sold" adjustments to comp prices
Read more about common CCC valuation report errors and how actual cash value is calculated.
Frequently Asked Questions
Who qualifies for a free total-loss review?
Any Texas driver whose vehicle has been declared a total loss and who has received a settlement offer or valuation report from an insurance company. The initial review is free with no obligation.
What do I receive from the free review?
A clear summary of whether your valuation report shows signs of undervaluation — such as wrong trim level, missing options, or weak comparable vehicles — and an explanation of your available options, including the appraisal clause.
What is the difference between the free review and a formal appraisal?
The free review is an initial screening of your settlement offer and valuation report. A formal appraisal is the contractual process under your policy’s appraisal clause, in which independent appraisers (and, if needed, an umpire) determine the amount of the loss.
Is Texas Total Loss a law firm?
No. Texas Total Loss is a brand of Texas Auto Claims LLC, an independent valuation review service. We do not provide legal advice or file lawsuits. We focus solely on the value of your totaled vehicle.
More questions? Visit our resources and FAQ page.