Independent analysis

Each opinion is developed from the assignment scope, vehicle information, available documentation and relevant market evidence. Conclusions are not predetermined by the referring party.

Transparent methodology

Reports explain vehicle identification, comparable selection, material adjustments and the reconciliation used to reach the valuation conclusion.

Professional communication

Assignment requirements, missing information, scope limitations and delivery expectations are identified early so the claims or professional contact can manage the file efficiently.

Broad vehicle coverage

Assignments may include passenger vehicles, luxury and exotic vehicles, collector vehicles, commercial units, motorcycles, recreational vehicles and other specialty matters, subject to available evidence.

Canada-wide availability

Remote and document-based assignments are considered throughout Canada. Physical inspection requirements and regional evidence needs are confirmed before acceptance.

Appropriate report scope

The report format is matched to the assignment purpose rather than forcing every matter into the same template.

Information to provide

• Company and contact information
• Claim, file or reference number
• Vehicle year, make, model, VIN and mileage
• Appraisal purpose and valuation date
• Requested deadline
• Special instructions or disputed issues

Helpful documents

• Insurer valuation report
• Estimate, proof of loss or claim correspondence
• Vehicle photographs
• Build sheet or option information
• Maintenance and repair records
• Comparable vehicle evidence already obtained

After submission

IA Reports reviews the request, confirms whether sufficient information is available, identifies any scope limitations and provides the proposed fee and delivery expectations before work begins.

Confidential file handling

Do not send sensitive banking information, passwords or unrelated personal records. File-transfer requirements can be coordinated for professional assignments.

Core report sections

1. Assignment and intended use
2. Vehicle identification
3. Documents and information reviewed
4. Specifications, trim and equipment
5. Mileage and condition information
6. Market definition and research date
7. Comparable vehicle analysis
8. Adjustments and reconciliation
9. Valuation conclusion
10. Assumptions and limiting conditions

Evidence expectations

Comparable evidence is assessed for relevance to the subject vehicle, market, valuation date, trim, mileage, equipment and condition. Unsupported or materially different listings are not treated as equivalent without explanation.

Clarity and traceability

Material calculations and adjustments should be understandable to the intended reader. Sources, dates and important limitations are identified where appropriate.

Scope-specific reporting

A total-loss valuation, diminished-value analysis, collector appraisal and business valuation may require different evidence and report sections. The final scope is confirmed for each assignment.

Service categories

• Total-loss vehicle valuation
• Independent market-value appraisal
• Diminished-value appraisal
• Collector, luxury and specialty valuation
• Dealer, business and legal assignments

Geographic coverage

Canada-wide remote and document-based service, with assignment acceptance dependent on scope, evidence and any physical-inspection requirement.

Assignment and invoicing

Scope, fee, authorized contact and billing instructions are confirmed before work begins. Purchase-order and reference-number requirements should be provided at intake.

Vendor documentation

Business or onboarding documents can be provided directly to an authorized organization upon request. Sensitive tax, banking or insurance documentation is not published on the public website.

Why independent evidence matters

An insurer valuation may not fully reflect your vehicle's exact trim, options, mileage, condition, maintenance, upgrades or regional market. An independent appraisal provides a separate, documented valuation position that can be used to question unsuitable comparables, missing equipment or unsupported adjustments.

Why professional support can make the process easier

Reviewing valuation reports, finding suitable comparables, documenting condition and explaining vehicle-specific differences can be time-consuming. IA Reports organises the evidence into a structured appraisal so the valuation position is presented clearly and consistently.

What IA Reports provides

• Review of the insurer valuation and offer
• Verification of trim, equipment, mileage and condition
• Relevant comparable-market research
• Vehicle-specific adjustment analysis
• Review of maintenance, repairs and supporting records
• Photographic review and inspection where appropriate
• A documented appraisal report and valuation conclusion
• Submission support and explanation of next steps

Vehicle information errors

• Incorrect trim, drivetrain or body configuration
• Missing factory packages, options or equipment
• Incorrect odometer or vehicle-history details

Weak comparable selection

• Outdated, distant or materially different vehicles
• Different trim, condition, mileage or equipment
• Listings that do not reflect the relevant consumer market

Unsupported adjustments

• Mileage deductions without a clear basis
• Condition ratings that do not match available evidence
• Equipment or maintenance not properly considered

Unclear settlement presentation

• Tax, deductible or claim-specific items not clearly explained
• Offer amounts that are difficult to reconcile to the report
• Important documents missing from the review package

Normal valuation review

Many total-loss disagreements begin with questions about the insurer's valuation, vehicle information, comparable selection or adjustments. A vehicle owner may provide additional evidence or obtain an independent valuation without necessarily invoking the formal statutory appraisal process.

When section 128 may apply

Ontario's statutory conditions state that section 128 applies where the insurer has received proof of loss, the parties disagree about specified repair issues or the amount payable, and a qualifying written appraisal request is made.

Appointment of appraisers

Section 128 provides that the insured and insurer each appoint an appraiser. Those appraisers appoint an umpire. The appraisers consider the matters in disagreement and may refer unresolved differences to the umpire.

How a determination is reached

The written finding of any two among the two appraisers and umpire determines the matters submitted through the statutory appraisal process.

Costs

Each party pays the appraiser it appoints and the parties share the expense of the appraisal and umpire equally, according to section 128.

Payment timing

Ontario's statutory conditions address payment timing after proof of loss and, where a statutory appraisal occurs, after the insurer receives the appraisers' determination. Application to a particular file should be confirmed from the current policy and law.