Your 51-page appraisal report
What your valuation report actually contains.
Every Full Claim Kit includes a certified appraisal built from live market data. The engine cross-references three independent databases and pulls active dealer inventory to produce a defensible, document-ready opinion of value.
Market Comparable Listings
Active dealer inventory pulled via MarketCheck — same year, make, model, and trim within 100 miles. Listings are filtered by mileage proximity and salvage status. Each comp includes price, mileage, dealer name, city, and distance.
Itemized Adjustment Grid
Each comparable is adjusted line-by-line for mileage variance, trim level, condition rating, and regional factors. The math behind the final opinion of value is shown in full.
Cross-Referenced Valuation
Three independent databases are queried concurrently: Kelley Blue Book (40% weight), NADA/JD Power (35%), and Edmunds True Market Value (25%). When sources agree, confidence is rated very high. Results are weighted by data coverage and source availability.
Vehicle History & NHTSA Data
Accident, title, and odometer records sourced via NHTSA. Recalls, safety ratings, and prior damage disclosures are integrated into the adjustment calculations.
Reconciliation and Certified Opinion
The comparable-sales approach is weighted against the cross-referenced database values to produce a low, mid, and high estimate. The final certified opinion of value is stated and ready to attach to your demand letter.
Confidence Score
A 0.0 to 1.0 confidence score is calculated from source agreement (coefficient of variation across KBB, NADA, and Edmunds), data coverage, and per-source confidence. Labeled low, moderate, high, or very high on the report.
Valuation data sources
What InsurifyAI produces
The documentation that gets you paid
A real 51-page appraisal, a calculator that exposes the gap, and a demand letter that cites state law — the same materials that recovered $11,893 on a real claim.
Deliverable 1 — The Appraisal Report
A real 51-page appraisal, not a summary
Cover, letter of opinion, comparable vehicles, itemized adjustment grid, appraiser certification — every section a carrier adjuster expects to see. Click through the real thing.
SPECIMEN — DEMONSTRATION COPY — NOT A VALID APPRAISAL. Real documented case (CLM-2419, VIN redacted for privacy). Individual claim outcomes vary.
Inside every appraisal
Letter of opinion
Formal appraiser-style opinion of value, ready to submit with your claim.
Comparable vehicles
Live dealer comps matched to your year, mileage, trim, and options — with real dealer photos.
Itemized adjustment grid
Every dollar justified: mileage delta, options, condition — all documented comp-by-comp.
Signed certificate
ASCAA-certified appraiser signature, license number, unique certificate ID — for the appraisal clause.
Deliverable 2 — Comparable Vehicles
Real dealer photos, not just a table
Every appraisal sources actual dealer inventory photos for each comparable vehicle. These are the real comps from CLM-2419 — four 2021 Tesla Model 3 LR AWDs found within 250 miles.
Comparable vehicle photos rendered from the CLM-2419 appraisal report (SPECIMEN — DEMONSTRATION COPY). Actual comps sourced from live dealer inventory at time of appraisal. Photos are official dealer listing images. Individual claim outcomes vary.
Why comps matter
Insurers use their own comp selection to keep offers low. InsurifyAI finds comparable vehicles within a defined radius, matches year, mileage, trim, and options, and documents each one with official dealer photos and VIN-level detail. The adjustment grid then shows every dollar of difference — giving you a documented basis to push back.
Deliverable 3 — The Calculator
See exactly where the money is
Upload your CCC ONE report and see the documented gap between what you were offered and what you're owed — in under 60 seconds.
Insurer offered
$17,262
Up to this much recoverable
$11,893
about +69% more than the insurer's offer
Estimate based on documented comparable sales and CCC ONE report analysis. Actual recovery depends on specific claim, applicable state law, and negotiation outcome.
Why the offer was low
Carrier offered
$17,262
Fair value
$29,155
Recovered
$11,893
Illustrative. Not a guarantee of results. Individual claim outcomes vary. CLM-2419 is a documented, verified case; figures drawn from the CCC ONE valuation report and executed settlement letter.
CLM-2419 is a documented, verified case. Figures drawn from the CCC ONE valuation report and executed settlement letter. Individual claim outcomes vary.
How it works
CCC ONE analysis, in seconds.
Upload your insurer's CCC ONE total-loss report. Our engine filters unrepresentative comps, adds back stacked negative adjustments, and computes a defensible fair ACV — with documented reasons the offer may be too low.
The example above is case CLM-2419 (2021 Tesla Model 3, Long Range AWD with Full Self-Driving). Insurer offered $17,262. Fair value: $29,155. Recovery: $11,893.
Deliverable 4 — The Demand Letter
A letter that cites your state's statutes
A professionally drafted appeal letter citing your state's insurance statutes, your documented fair value, and the specific deficiencies in the insurer's offer.
Sample letter. Demand letters are generated per-claim with state-specific statutes and case law. Not legal advice. Individual claim outcomes vary.
What you get
16 letter types. 5 professional tones.
InsurifyAI generates demand and appeal letters calibrated to your state's legal standards, citing relevant statutes and case law. Choose from 16 letter types: initial demand, bad-faith notice, escalation, diminished value claim, and more — in 5 tones from firm to conciliatory.
- Generated in under 60 seconds
- State-specific statutes and case law cited
- 16 letter types across 5 professional tones
- Certified mail delivery available from the platform
Ready to see what your claim is worth?
Upload your CCC ONE report and get a free instant estimate. No account required.
Individual claim outcomes vary. InsurifyAI LLC is not a law firm and does not provide legal advice.