When an insurer's total-loss offer does not appear to reflect the vehicle, an independent appraiser can review the valuation inputs and prepare a separate market-supported opinion. IA Reports examines the subject vehicle, the insurer report and Ontario market evidence before documenting a value conclusion.
The review starts with the complete insurer valuation, not only the settlement figure.
A complimentary initial review helps identify whether the difference is factual, methodological or simply a difference of opinion.
The assignment is organized into a professional report that can be reviewed by the owner, adjuster, insurer appraiser or another file handler.
Provide the insurer report, offer and basic vehicle information.
Confirm trim, mileage, equipment, condition and supporting records.
Select and analyse relevant Ontario and regional comparable vehicles.
Document the evidence, adjustments and independent value conclusion.
Vehicle owners may obtain an independent valuation opinion. A separate formal appraisal procedure may also be available under the policy and Ontario law depending on the disagreement and how the process is invoked.
No. The result depends on the vehicle, policy, evidence, market and insurer response. IA Reports does not guarantee an increase or a specific settlement.
No. Many files can be reviewed from the insurer valuation, photographs, records and market evidence. An inspection may be recommended when physical condition, modifications or specialized equipment materially affects value.
General information only. Policy wording, claim facts and applicable law control. IA Reports does not guarantee a settlement increase or specific result.
Tell us about the vehicle or assignment. Your information and selected documents will be submitted directly to IA Reports.
