Your car lost value in that accident. We prove exactly how much.
Independent, signed appraisal reports — after a repair that cost your car its value, or a total loss offer that doesn't add up. Accepted by attorneys and submitted to insurance carriers across Arizona.
Independent valuations when the insurance company's number is wrong
Diminished Value Appraisal
Your car was repaired, but its accident history still cost you value. A signed report proves how much — from licensed market data and comparable sales. From $400.
Check if you qualify →Total Loss Appraisal
The insurer says your totaled vehicle was worth their number. We determine what it was actually worth — documented, signed, and ready to submit. $99.
Check my total loss offer →Attorney Partner Program
Upload clients, track every request in a dedicated portal, and receive signed reports delivered directly — with partner pricing for your practice.
For attorneys →Report Verification
Every report we sign is registered with a cryptographic fingerprint. Any recipient — adjuster, attorney, court — can confirm a copy is authentic and unaltered.
Verify a report →Three steps, 3–5 business days
Upload your documents
Your final repair bill and photos — or your total loss settlement offer and vehicle details. About ten minutes, all online.
We build your appraisal
Licensed market data, comparable sales adjusted to your exact vehicle, and a published methodology — every figure disclosed, nothing asserted without arithmetic.
Receive your signed report
A certified PDF you (or your attorney) submit with the claim — signed, fingerprinted, and verifiable by anyone you send it to.
Typical turnaround: 3–5 business days once your documents are in.
A minute of questions tells you whether a claim is worth filing
Takes about a minute. If your situation doesn't fit a standard appraisal, we'll say so — before you pay for anything.
What happened to your vehicle?
The two situations are different claims — this routes you to the right questions.
See exactly what you're buying
The report is the product. Comparables with the adjustment math shown, the full calculation chain, a signed certification, and the vehicle history that proves the accident record.
Cover — the conclusion, up front
Comparables with disclosed adjustments
The calculation, figure by figure
Signed certification with fingerprint
Vehicle history attachment
When the settlement offer doesn't add up
When an insurer declares your vehicle a total loss, they owe you its actual cash value — what it was genuinely worth the moment before the crash. That number comes from their valuation vendor, and it frequently trails the real market: the comparables skew low, the options and condition get averaged away, and the offer lands hundreds or thousands below what replacing your vehicle actually costs.
We prepare an independent actual-cash-value appraisal — built from licensed valuation data and documented comparable sales, adjusted to your exact vehicle, and signed by a credentialed appraiser. The same evidence standards and the same published methodology as every report we issue.
Owners use it to evaluate the offer before accepting, to support negotiation — their own or their attorney's — and, where a policy provides an appraisal clause, as the owner-appointed appraisal that clause calls for.
The law is on the owner's side — twice
Diminished value
Is diminished value recoverable in Arizona?
Yes. Arizona courts have long recognized that a properly repaired vehicle can still be worth less than before the loss (Oliver v. Henry), and that the difference is recoverable in a third-party claim against the at-fault driver's insurer.
What's the deadline?
Property damage claims in Arizona carry a two-year statute of limitations from the date of loss. The appraisal takes days — but don't sit on a claim.
Who actually pays?
The at-fault driver's insurance carrier. Diminished value is a third-party claim — your own policy is generally not the payer, which is why fault matters in our eligibility questions.
What you'll need
The at-fault carrier and claim number, the final repair invoice, and photos of the repaired vehicle. We handle the market data, the comparables, and the math.
Total loss
The insurer owes actual cash value
A total loss settlement must reflect the vehicle's actual cash value — its real market worth at the date of loss — not a vendor average that happens to be convenient. [ATTORNEY REVIEW]
You may obtain your own appraisal
Nothing obligates you to accept the insurer's valuation as the last word. An owner may obtain an independent appraisal — and many policies contain an appraisal clause that gives a formally appointed appraisal standing in resolving the disagreement. [ATTORNEY REVIEW]
Built to survive an adjuster reading it
Licensed data behind every number
Archival valuations and market listings from licensed sources — cited by name and retrieval date in the report.
A published, versioned methodology
Every report states the methodology version it was prepared under. Change the rules, change the version.
Signed by credentialed appraisers
Name, credential, and certification on the signature page — with a compensation-independence declaration.
Every report verifiable by ID
A cryptographic fingerprint registered at signing. An altered copy fails verification — publicly, instantly.
The appraiser behind the signature
Ryan Chonka
Licensed Appraiser
Ryan has held an adjuster line of authority since 2009 and is licensed in Arizona, Texas, and Florida. He signs every report this firm issues — sixteen years of reading repair files from the carrier's side of the table is exactly what makes a valuation hold up when a carrier reads it back.
Arizona Adjuster License #14641509 — Active (resident)
Effective through 08/31/2029 · also licensed in Texas (Adjuster — All Lines, #1671971, since 2011) and Florida (Adjuster — All Lines, non-resident) · NPN 14641509 · Adjuster line of authority held since 2009 · verifiable on the NAIC state licensing registry · Errors & omissions coverage: [E&O CARRIER & POLICY]
Outcomes we log, not adjectives we type
Every claim outcome feeds our calibration log. As reports issue, this section fills with real numbers — never testimonials we can't stand behind.
[CLIENT QUOTE — pending first logged outcomes]
[CLIENT QUOTE — pending first logged outcomes]
[ATTORNEY QUOTE — pending partner launch]
The appraisal half of your property damage practice, handled
Upload clients in minutes, track every request through a dedicated portal, and receive signed reports delivered directly to your office — with partner pricing and a discount code your clients can use. Your client hears from you, not from us.
Two services, two flat fees
No contingency, no percentage of your recovery — for either.
Diminished Value Appraisal
- ✓ Licensed market data and archival valuation
- ✓ Comparable sales analysis, adjustments disclosed
- ✓ Vehicle history report attached
- ✓ Signed, credentialed certification
- ✓ PDF delivery to you or your attorney
- ✓ Lifetime report verification by ID
Total Loss Appraisal
- ✓ Licensed market data and archival valuation
- ✓ Comparable sales analysis, adjustments disclosed
- ✓ Actual-cash-value determination vs the offer
- ✓ Signed, credentialed certification
- ✓ PDF delivery to you or your attorney
- ✓ Lifetime report verification by ID
Referred by a shop or attorney? Their discount code applies at checkout.
Straight answers
What is diminished value?
Who pays it?
How long does it take?
What do you need from me?
Do you negotiate with the insurance company?
What if my claim is denied?
My car was totaled and the offer seems low — can you help?
What's the difference between a diminished value appraisal and a total loss appraisal?
Will the insurance company accept your appraisal?
Do you work outside Arizona?
Talk to the firm
Monday–Friday, 8am–5pm MST
Attorneys: mention your firm in the message and we'll set up partner access and portal credentials.