A diminished value or total loss report usually costs a few hundred dollars. What you get for that money varies a lot. Here are the published prices for the main services, with a link to the page each fact came from.
Prices checked November 2026; check their site for current pricing. Each fact below links to the page it came from. This is a factual comparison, not legal advice.
We're Claimoe, so we're one of the services listed. Every fact about another company comes from that company's own site.
Quick price list
- Claimoe: $199 flat for diminished value or total loss, after a free review, in New Jersey, New York, Maryland, Alaska, Kansas, Minnesota, Missouri, New Hampshire, Washington and Wyoming.
- SnapClaim: $350 flat for diminished value or total loss.
- Diminished Value of Georgia: $275 desk appraisal; $425 field appraisal with inspection; hourly settlement service.
- DVCHECK: $399 for diminished value or total loss.
- Autoloss: typically $250 to $350 for diminished value; total loss quoted after review.
- SecondAppraisal: total loss only. $199 research report; $495 to be appointed in the appraisal process.
- Collision Claim Associates: prices not published on the pages we checked.
Flat-fee report services
| What we compared | Claimoe | SnapClaim | Autoloss |
|---|---|---|---|
| Diminished value price | $199 flat, only if we accept your case after a free review | $350 flat per vehicle | Typically $250 to $350 flat; exotic vehicles may cost more; $10 card fee; $75 if you cancel before the report |
| Total loss price | $199 flat, only if we accept your case after a free review | $350 flat per vehicle | Not published (quoted after review) |
| What you get | Independent report from local comparable sales, the letters you send to the insurer, and a person on our team by text and email while you present the claim | Certified report, demand letter, market data and methodology, email support until the claim is settled; appraisal clause support on total loss | Report with comparables and the diminished value figure, owner review before release, custom demand letter, answers to the insurer's questions about the report, phone support |
| Turnaround | Most reports the same business day once we have your documents | 1 business day (pricing page); the FAQ says same business day in most cases | Typically 24 to 48 hours after they have all your records |
| States served | 10 states: New Jersey, New York, Maryland, Alaska, Kansas, Minnesota, Missouri, New Hampshire, Washington and Wyoming | Not published | All 50 states |
| Report or more | Independent report you present yourself, with our help. On a total loss, including in New Jersey and New York, you can name us as your representative under the appraisal provision of your policy where the policy allows | Report only. Their FAQ says they do not act as your attorney, adjuster or claims representative | Report only. Their site says they are not a law firm and do not act as a public adjuster |
| Refunds | Free review before you pay. Fully refundable until work starts; refunded if the insurer shows a material error in the report in writing and we confirm it | Conditional refund terms; see their site | Conditional refund terms on diminished value (they exclude New York, among other states); see their site |
Sources: Claimoe: claimoe.com/pricing, claimoe.com/faq, claimoe.com/states. SnapClaim: snapclaim.com/pricing, snapclaim.com/faq. Autoloss: autoloss.com, autoloss.com DV appraisal cost, autoloss.com/total-loss/total-loss-settlements/, autoloss.com/about-us/legal-disclaimer/.
Services with tiers or extra paid steps
| What we compared | Diminished Value of Georgia | DVCHECK | SecondAppraisal |
|---|---|---|---|
| Diminished value price | Desk appraisal $275; field appraisal (with inspection) $425; $100 surcharge for premium vehicles | $399; high-end and exotic vehicles may cost more | No paid diminished value report listed (free calculator only) |
| Total loss price | Desk appraisal (actual cash value report) $275; inspections $125 extra | $399; high-end and exotic vehicles may cost more | Appraisal Research $199 (report only); Appointed Appraiser Service $495, with the $199 credited; umpire fee separate |
| What you get | USPAP-compliant valuation report and demand letter; field tier adds inspection, vehicle history and repair quality check. Separate hourly claim settlement service | Certified appraisal, price guides and market data, demand letter (diminished value), appraisal clause representation, dealing with the other appraiser, umpire selection, phone and email support | Free consultation; a research report; or appointment as your appraiser under the appraisal clause through to the award letter |
| Turnaround | Not published as a standard time; their refund policy covers reports not delivered within 7 business days | Usually 2 to 4 business days | Research report 24 hours from when they have your documents; the full appraisal depends on the insurer's appraiser and any umpire |
| States served | Desk appraisals nationwide; field appraisals in Georgia | Not published on the pricing page | "42+ states" |
| Report or more | Report, plus an optional paid settlement service (dealing with the other appraiser, settling on an amount, picking an umpire) | Report plus appraisal clause representation and dealing with the other side's appraiser | Total loss only. Can be appointed as your appraiser under the policy's appraisal clause |
| Refunds | Conditional refund terms; see their refund policy | Conditional refund terms, with state exclusions; see their site | Conditional fee terms on the $495 service only; none on the $199 report |
Sources: Diminished Value of Georgia: diminishedvalueofgeorgia.com/auto-appraisal-price-order/, diminishedvalueofgeorgia.com/refund-policy/. DVCHECK: dvcheck.com/pricing, dvcheck.com/our-guarantee. SecondAppraisal: secondappraisal.com/pricing.
Prices not published
| What we compared | Collision Claim Associates |
|---|---|
| Diminished value price | Not published (fees explained after a free review) |
| Total loss price | Not published (fees explained after a free review) |
| What you get | Free diminished value review; diminished value and total loss appraisals; post-repair inspections; expert witness testimony |
| Turnaround | Not published |
| States served | All 50 states |
| Report or more | Appraisal reports, inspections and court testimony |
| Refunds | Not published |
Sources: Collision Claim Associates: collisionclaims.com, collisionclaims.com DV FAQs.
What to compare
1. The full price, not the starting price
Look for tiers, surcharges for some vehicles, card fees, cancellation fees and hourly add-ons. Claimoe is $199 for every car, for diminished value or total loss, and you pay only if we accept your case after a free review.
2. How soon you'll have the report
If the insurer has set a deadline, speed matters. Most Claimoe reports are ready within the same business day once we have your documents. Published turnarounds elsewhere range from the same or next business day to 2 to 4 business days.
3. What comes with the report
A number alone won't move an insurer. Ask whether the letters you send are included, and whether the report is built from local comparable sales the insurer can check. Claimoe's report uses local comparables, and the letters come with it.
4. Who helps you after the report
The insurer will reply, and you'll want someone to ask. With Claimoe, a person on our team answers by text and email while you present the claim, at no extra charge. You keep the final decision on any offer.
5. What happens if the insurer won't move on a total loss
Many policies have an appraisal clause. Where your policy allows it, you can name Claimoe as your representative under the appraisal provision of your policy, including in New Jersey and New York, for the same flat fee. Some services charge extra for this step, and some say they don't act as your representative at all.
6. Refund terms
Read the full refund terms on each company's site; most come with conditions. Claimoe's fee is fully refundable until we start work, and we refund it if the insurer shows a material error in our report and we confirm it. We don't promise a result: no one can promise what an insurer will pay.
Weighing a public adjuster instead? See Claimoe vs a public adjuster. For the free calculators and the 17c formula, see Claimoe vs free diminished value calculators. On a total loss, start with how to read the insurer's valuation report.
Bottom line
If your claim is in one of our 10 states, Claimoe gives you the lowest published flat price on this list for a diminished value report, a free review before you pay, a report that's usually ready the same business day, the letters, a person to text, and on a total loss, a named representative in the appraisal process. Results depend on your insurer, your policy and your facts. See what the $199 flat fee covers. You can start a free review, or try our free diminished value estimator first.
Photo by Julian Hochgesang on Unsplash.