Independent vehicle appraisals and total-loss valuation support across Canada for vehicle owners, commercial and specialty vehicles, insurers and professional assignments.
When material valuation errors or weak market evidence are identified and corrected, the resulting settlement can increase — sometimes significantly. Every file is different, but leaving important valuation issues unchecked can mean leaving money on the table.
An independent appraisal does not guarantee a higher settlement. Results depend on the vehicle, claim circumstances and available market evidence.
Not every valuation needs to be disputed. These are three areas where a second review can be useful before you decide whether the insurer's offer is supported by the file.
Trim, drivetrain, factory options, mileage, equipment and relevant pre-loss condition can materially affect the analysis.
Comparable vehicles should be screened for configuration, mileage, seller, condition, market and other material differences.
Mileage, condition, equipment and market adjustments should be understandable and supportable — not just numbers on a report.
A complimentary initial review is used to understand the file and whether an independent appraisal appears appropriate. No outcome is guaranteed.
A clear four-step process so you are not left trying to interpret the insurer valuation or build the appraisal case on your own.
Total-loss valuations can contain differences in vehicle specifications, mileage, options, condition, comparable vehicles or market adjustments. When material errors or unsupported differences are identified and corrected, the resulting settlement can increase — sometimes significantly.
IA Reports handles the appraisal process from start to finish. We review the insurer's valuation, verify your vehicle, research the market, prepare the independent appraisal, communicate with the adjuster and support our findings through the valuation dispute process. Every file is different and the result depends on the evidence available.
Trim, drivetrain, factory options, mileage, equipment and relevant pre-loss condition.
We test whether the vehicles used are genuinely relevant to your market and configuration.
Mileage, condition, equipment and other material differences should be supportable and explained.
From initial review and report preparation to communication with the adjuster and valuation support.
Before accepting a total-loss settlement, send us the insurer's valuation. We review the vehicle, comparables and adjustments and explain whether the evidence supports an independent appraisal.
Market-supported reports, transparent methodology and responsive communication for insurers, adjusters, fleets, dealerships and other professional vehicle assignments.
We will explain whether the available evidence supports proceeding with an independent appraisal.
IA Reports handles vehicle-specific assignments that require more than a generic pricing average.
Highway tractors, straight trucks, dump trucks, tow/recovery units, service bodies, vocational equipment and fleet vehicles.
Commercial truck appraisals →High-value and limited-market vehicles where specification, options, condition, history and specialized comparables materially affect value.
Luxury & exotic appraisals →Independent assessment when an insurer disputes whether specific vehicle damage or repair work is related to the reported loss.
Specialty damage reports →Province-specific pages focus on total-loss appraisals, vehicle valuation disputes, commercial and specialty vehicles, and the major markets within each province.
You can question the insurer's valuation yourself. IA Reports approaches the dispute as a vehicle-valuation assignment: we review the insurer's report, verify specifications and equipment, research comparables, analyse adjustments, prepare the appraisal and communicate the valuation position with the adjuster when authorized.
There is no responsible way to determine the potential increase before reviewing the vehicle and insurer valuation. Some files contain minor differences while others contain material valuation issues. Our complimentary initial review helps determine whether the evidence supports proceeding with an independent appraisal.
Supported errors or market differences are documented in the appraisal. When those differences are material, correcting them can materially change the resulting vehicle value and settlement.
Yes, when authorized. Our owner service is designed to manage the appraisal portion from review and report preparation through communication and valuation support.
Pricing is determined case by case based on the vehicle, assignment scope, file complexity, inspection or research requirements and the service requested. IA Reports confirms the applicable fee and terms before paid work begins. Complimentary initial review remains available for total-loss files.
Tell us about the vehicle and assignment. Your request will be securely submitted directly to IA Reports after Google reCAPTCHA verification.
