A condition adjustment lowers your vehicle’s total-loss value when components are rated below a typical vehicle of the same model. Here is how the ratings work, what documentation you can ask for, and what evidence you can provide.
Valuation reports compare your vehicle with a typical vehicle of the same model. Components rated below typical — paint, interior, tires, glass, mechanical — reduce the value; some reports show a dollar impact for each component, others only a total.
Upload the valuation report your insurer sent you. In about a minute you see which items may not add up — free. The full review report with a draft letter you edit and send yourself is $79.
Check my report →You can ask the insurer for the inspection notes or photos behind each rating and send your own photos and service records showing your vehicle’s actual condition.
The report assigns ratings per component. The reasons should be documented in the inspection; ask for that documentation if it isn’t in the report.
FairTotalLoss is a self-help information tool. We are not a public adjuster, appraiser, or law firm; we do not represent you, contact your insurer, or negotiate your claim, and we do not advise on insurance coverage. Our reports describe what your valuation report shows and questions you may choose to ask; they are not an appraisal and not a substitute for advice from a licensed public adjuster or attorney. Fixed price, unrelated to any settlement outcome.