Portland Oregon Appraisal Clause & Diminished Value Experts

The Appraisal Clause in an auto policy is a powerful tool for insureds to level the playing field when dealing with low settlement offers from insurance companies. Our mission is to help Oregon policyholders secure the right value for their Total Loss claims with minimal out-of-pocket expenses. If we can’t negotiate a higher settlement that covers our fee, there’s no charge, and if we believe the carrier’s offer is fair, we’ll be upfront about it. With decades of experience in insurance claims, our team is uniquely positioned to help you achieve the best possible outcome in auto value disputes.

If your vehicle has been declared a total loss in Portland Oregon, our team of valuation experts can help you get the most out of your settlement by making sure the insurance company’s offer is fair. Just send us a copy of their market valuation along with any other important details about your vehicle to claims@iasclaimsnetwork.com and we'll handle the rest.

Our agency has handled thousands of Total Loss Appraisal Clause claims for policyholders unable to reach a fair settlement with their insurance company. Whether you’re in a loss dispute with State Farm, Allstate, Liberty Mutual, Safeco, Progressive, Geico, or any other insurer, we’re ready to help.

The appraisal clause is a critical component of most insurance policies, providing a structured process for resolving disputes over the value of a claim. This clause is designed to protect Portland & Multnomah County Oregon policyholders and insurers alike by offering a fair and impartial mechanism for determining disputed loss amounts. When disagreements arise, invoking the appraisal clause allows both parties to appoint independent appraisers and, if necessary, an umpire to arrive at a binding resolution.

For Oregon policy holders, your insurance company must reimburse your reasonable appraisal costs if the Final Appraised Value is greater than the insurer's last offer. This also applies to umpire fees. 

For Total Loss "Actual Cash Value" (ACV) and repair disputes, please submit the carrier's report for review along with any pertinent vehicle and claim information necessary for the appraiser assigned to your case. These documents can be sent directly via email to claims@iasclaimsnetwork.com.

Don’t leave your claim unresolved. Contact the IAS Claims Network team today for your free appraisal clause review. Together, we’ll protect your rights and achieve the resolution you deserve.

Portland Oregon & surrounding communities we serve:

• West Linn
• Tualatin
• Tigard
• Beaverton
• Aloha
• Hillsboro
• Portland
• Wilsonville
• Milwaukie
• Clackamas
• Woodburn
• Salem

1) Contact the IAS Claims team for a free consultation to see if your claim is a good candidate to invoke the Appraisal Clause.

2) Retain our firm as your appointed appraiser to represent you in this claim. Our company and appraiser information will need to be given to your insurance carrier at the 1st notification of appraisal.

3) Contact your insurance company in writing, stating that you are invoking your appraisal right due to the inability to reach a mutually agreeable settlement. (This is the typical way to invoke an Appraisal Clause, but it’s a good idea to review your insurance policy for specific language that describes how to invoke the Appraisal Clause.)

4) Your insurance company will respond and choose an independent appraiser to appraise your vehicle and contact our company.

5) Your IAS Claims appraiser and the insurance company appraiser share their results and will attempt to come to an agreement. Both appraisers are required to agree on an umpire within 14 days of their initial contact. In the unlikely event that the appraisers can’t come to an agreement, the chosen umpire will decide the final award. The umpire’s decision is final.

6) How much does it cost? Auto Appraisal Clause fees start at $295.00 for a normal auto. Specialty vehicles & property damage claims are billed at $150 an hour. Specialty vehicles would include RV’s, Heavy Equipment, Semi Trucks, Classic autos, Motorcycles etc. Umpire fees can range depending on the claim & are split between the insured and insurance company.

7) In the state of Oregon: If that final agreed value is higher than the insurance company’s last offer, then the insurance company must reimburse you for reasonable appraisal costs. This would also include any umpire fees.

8) Does the IAS Claims Network guarantee a higher settlement? 

We can’t promise a higher settlement, but our track record shows we’ve never had a case that didn’t result in a settlement exceeding our appraisal fee. If we can’t secure a higher settlement that at least covers the cost of our fee, the insured owes nothing.

For more information on the Appraisal Clause process, or to see if your claim is a good candidate, please contact our office for a free consultation.