Before you write
Get the complete valuation report and settlement breakdown. Check the vehicle configuration, comparables, adjustments, and math. A letter written before that review often asks for “more money” without showing why the current number is wrong.
Decide what you want the insurer to do. Common requests include correcting the trim, replacing a mismatched comparable, explaining a condition deduction, revising the mileage, adding an omitted settlement item, or reviewing an independent valuation.
Copy this structure
Subject: Claim [number], request for review of [date/version] total-loss valuation
Hello [adjuster name],
I reviewed the complete valuation report dated [date]. I am requesting a revised valuation or a written response to the supported issues below.
1. Loss-vehicle correction: The report identifies [report fact]. The attached [document] shows [correct fact]. Please correct the vehicle configuration and rerun the valuation.
2. Comparable issue: Comparable [number] is listed as [report fact]. The attached dealer listing or confirmation shows [correct fact]. Please correct or replace this comparable and explain any resulting change.
3. Adjustment question: The report applies [adjustment]. Please provide the observation, baseline, and calculation supporting this amount, or revise it based on the attached evidence.
Requested response: Please send the revised report, settlement breakdown, and a written response to each item. I am available at [contact information].
Thank you,
[name]
Replace every bracketed field. Delete sections that do not apply. A short letter with three supported points is stronger than a long template filled with accusations.
Add an evidence index
| Attachment | What it proves | Report item |
|---|---|---|
| A. Window sticker | Correct trim, AWD, and factory package | Loss-vehicle configuration |
| B. Dealer confirmation | Comparable 2 is a lower trim | Comparable selection |
| C. Tire invoice and photos | Recent tires before the loss | Condition rating |
| D. Three current listings | Closer local market evidence | Requested market review |
Name the files to match the index. Use PDFs or clear image files. Include the listing URL and capture date. Keep originals.
What not to put in the first letter
- A demand based only on what you owe the lender or need for a replacement.
- A list of asking prices with no trim, mileage, location, or availability check.
- A threat that the insurer committed fraud when you have found a correctable input error.
- Routine maintenance totaled at full invoice cost as if every dollar increases market value.
- A settlement deadline or legal conclusion copied from another state.
After you send it
Save the sent email, attachments, and delivery confirmation. Ask when you should expect a response. If a revised report arrives, compare it with the first version rather than looking only at the new total. Record what changed and what did not.
If the insurer will not address a supported value dispute, review the policy's appraisal language and the Texas appraisal guide. If the concern is claim handling rather than value alone, the Texas Department of Insurance accepts complaints. A complaint is not a substitute for proving the vehicle's market value.
Sources and limits
- Texas Department of Insurance, auto insurance consumer rights
- Texas Department of Insurance complaint information
This sample is educational and must be adapted to the policy, claim type, facts, and current law. It is not legal advice and does not guarantee a revised offer.