Not sure the insurance numbers are accurate? Send us your total loss valuation or repair estimate. We’ll review it free and explain what the available documentation supports.
Whether your vehicle was totaled, hail damaged, or hit in a collision, the insurer's first number is worth checking when it does not match the vehicle, the repair plan, or the local market. Valuation and estimating systems depend on the data entered, the comparables selected, and the adjustments applied.
Our review focuses on the details that can materially change a claim: vehicle configuration, comparable selection, mileage and condition adjustments, repair operations, documentation, and the terms of the policy.
A first offer can be accurate, or it can contain issues worth challenging. The point of a review is to find out which one you have before making a decision.
We represent the policyholder, but we do not predetermine the result. We verify the inputs, compare the available evidence, explain material differences, and tell you when the existing valuation or estimate appears reasonably supported.
When an auto claim amount does not appear to match the vehicle, repair documentation, market evidence, or applicable policy terms, we can review the file and identify whether a material difference is supported. Kingdom First serves vehicle owners across Texas.
Senate Bill 458 added Texas Insurance Code Chapter 1813. It requires covered personal auto and residential property policies issued or renewed on or after January 1, 2026 to include an appraisal provision for disputes about the amount of loss. As of October 1, 2026, TDI lists implementing rules 28 TAC §§5.9800–5.9806 as proposed, not adopted. We review the actual policy and current law before giving a client a deadline or procedure.
Appraisal is an out-of-court process for disputes about the amount of a covered loss. Chapter 1813 requires an appraisal provision in covered personal auto policies issued or renewed on or after January 1, 2026; it does not turn coverage or liability disputes into appraisal issues.
For an eligible first-party personal auto policy, either party may demand appraisal for a dispute about the amount of loss, subject to the policy and Chapter 1813. Appraisal does not decide fault or whether a loss is covered, and it is not a process for a claim solely against another driver's insurer.
Because policy effective dates and appraisal language matter, we verify the policy before recommending appraisal or quoting a deadline.
We verify VIN/trim, factory equipment, mileage, condition adjustments, comparable vehicles, listing status, distance, and whether the report accurately reflects the relevant market.
We compare the insurer and shop estimates line by line, identify scope differences, and organize the supporting repair documentation before recommending appraisal or another next step.
We review repair severity, vehicle history, pre-loss value, mileage, market evidence, and the type of claim before developing a documented diminished-value opinion.
Every claim is different. We do not publish invented testimonials or promise a recovery amount before reviewing the file.
We built this business to give Texas vehicle owners a documented second look when a valuation or repair amount does not make sense. Integrity-driven means checking the evidence, explaining the options clearly, and being willing to say when a claim does not justify a dispute.
Our job is to document the amount of loss accurately and advocate within the policy and the law. And it means we give back.
Upload photos, estimates, and claim documents along with your message below. Files go straight to your adjuster and you'll hear from us within one business day.
📎 Submit Your DocumentsDeadlines and settlement documents can affect your options. Before relying on a specific deadline or signing a release, review the policy and claim documents. Call, text, or use the form for a free initial review.