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Houston Flooded Car Appraisals

by Diminished Value Car Appraiser on September 6, 2017

Appraisal Engine Inc is now Offering Total Loss Claim Reviews for Flooded Vehicles in Houston.

With hundreds of thousands of flood-damaged cars declared a total loss by insurance carriers as a result of Hurricane Harvey, Houston’s top-rated car appraisal company offers a service that helps claimants receive fair settlements.

Among Hurricane Harvey’s devastating effects is the number of cars that were ruined as a result of flooding. Harvey destroyed hundreds of thousands of vehicles, and the loss is catastrophic as most people in Houston use their cars as their primary form of transportation.


There are many reasons an insurance company might declare a vehicle a total loss, including damage from a collision, fire, unrecovered theft, or a natural disaster. It is critical that car owners know their rights if their vehicles are ruined by flood. Normally, after a loss is recorded, insurers will send an automobile appraiser to assess the severity of the damage. Generally, if the cost to repair the vehicle exceeds 75% of the cash value of the vehicle, the insurance company will declare it a total loss.


To determine the cash value of a vehicle, insurance carriers typically run the vehicle identification number (VIN) through a third-party company. These third-party companies will provide the insurance carrier with an appraisal report containing the vehicle description, options, condition, comparables, and the actual cash value. Depending on the vehicle, third-party valuation reports can have a margin of error of up to 20%. Due to the large number of claims in Houston, insurance adjusters are overworked and might undervalue the total loss value of vehicles. This can lead to a gross underpayment to the claimant, and therefore, vehicle owners should not accept these reports until they can independently verify their accuracy. That’s where Total Loss Appraisals can help.


Total Loss Appraisals is an independent total loss automobile appraiser. An independent appraiser conducts a more thorough analysis of a vehicle, examining all options, upgrades, and equipment. Most insurance policies contain language that allows the use of an outside auto appraiser. This falls under the policy’s appraisal clause; it is a right that insurance holders possess, but most don’t take advantage of. A valuation report from Total Loss Appraisals measures the exact pre-accident amount by examining local comparables and adjusting the value to match the claimant’s vehicle. The report will also document the condition of the car and any recent repairs prior to the flood damage. By providing this report to the insurance company, a claimant can recover an amount that more accurately represents the value of his or her flood-damaged vehicle.


Due to the large scale of the catastrophe in Texas, Total Loss Appraisals has set up a hotline to help people navigate the often confusing process of collecting a fair settlement on their flooded vehicles. Please call (281) 529-5243 or visit Total Loss Appraisals online to order a claim review.


Total Loss Appraisals is dedicated to providing the most accurate vehicle valuation reports. The company consists of experienced licensed auto appraisers who specialize in diminished value, total loss, actual cash value, classic cars, and insurance claim settlements.


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