We review the insurer’s ACV against the Houston-area market that fits your vehicle, then document trim, equipment, mileage, condition, and comparable selection. The work is fully remote, so you can challenge a low offer without an office visit.
Remote service across Texas. File-fit review is completed within two business days after complete intake; accepted reports are delivered within 48 hours.
Reports from $99
Choose the report that fits your vehicle and support needs. After Stripe confirms payment, complete intake with your insurer valuation and vehicle details.
Choose My ReportIf we decline the file before substantive work begins, we refund the package fee. No appraisal guarantees an offer increase.
Start with Houston and Harris County listings. If the report needs Fort Bend, Montgomery, Brazoria, or another nearby area, the final report identifies the reason for the expansion instead of blending the region into an unexplained average.
Houston-area work often turns on vehicle history, exact equipment, and whether a listing is genuinely comparable. Water or title history is considered only when it is documented for the vehicle; a ZIP code or storm reference is not a substitute for vehicle evidence.
This page does not assume that every Houston vehicle segment has the same pricing, that a weather event changed every local value, or that a distant listing is interchangeable with a nearby replacement.
See the appraisal report walkthrough for how vehicle details, market comparables, adjustments, and supporting evidence are organized.
The city changes the comparison scope. Your vehicle evidence determines the actual analysis.
We record source, date, location, trim, mileage, equipment, condition, and seller context so the comparison set can be checked.
We separate documented facts about your vehicle from generic assumptions about a city, model, weather event, or driver.
Your report and draft correspondence are evidence for you to review and send. Spur Auto does not contact the insurer, settle the claim, or act as your representative.
Remote service means you can start from anywhere in Texas with the information already in your claim file.
Upload the insurer’s offer or valuation report, VIN, photos, and any service or equipment records you have.
We review the comparison area and vehicle details, then deliver the paid report within 48 hours under the current service promise.
You receive a clear evidence package and guidance on next steps. You make every claim decision and send every insurer communication.
This page stays focused on Houston-area valuation. Use the canonical state guides for rules, rights, and claim process questions.
Statewide rules, appraisal-clause context, and the main dispute paths.
How ACV relates to replacement evidence, condition, and comparable vehicles.
Scenario-specific guidance when the claim involves the issue covered by this guide.
A statewide checklist for preserving documents and deciding what to do next.
Purchase a report, then submit the offer and vehicle details online. No office visit is required.
Choose My Report