RV, Camper & Fifth-Wheel Total Loss Appraisals

An RV appraisal clause is a provision in some insurance policies that provides a process for resolving disputes over the value of a totaled RV, camper, or fifth wheel. The policyholder and insurance company each select an independent appraiser to determine the vehicle’s value.

Possibly. If your insurance policy contains an applicable appraisal clause, you may be able to invoke it when you disagree with the insurance company’s RV, camper, or fifth-wheel total loss valuation. Availability and requirements vary by policy and state.

After the appraisal clause is invoked, you and the insurance company each select an appraiser. We prepare an independent RV valuation, communicate directly with the insurance company’s appraiser, and work toward an agreed value.

We research comparable units in the market and evaluate factors such as year, make, model, floor plan, mileage, condition, equipment, options, and relevant market differences to develop a supported pre-loss value.

If the two appraisers cannot reach an agreement, the appraisal clause may provide for an independent umpire. The dispute can then proceed through the umpire process according to the terms of the insurance policy.

It can result in a different value when the market evidence supports one, but a higher settlement is not guaranteed. The appraisal process is intended to independently resolve a disagreement over the RV’s value.

Premier Vehicle Valuation Specialists charges a $449 flat fee for RV appraisal clause service. Additional costs may apply if an umpire becomes necessary.

Yes. Once Premier Vehicle Valuation Specialists is retained as your appraiser, we communicate directly with the insurance company’s appraiser and handle valuation negotiations throughout the appraisal process.

No. Premier Vehicle Valuation Specialists currently provides RV appraisal clause services in select states. Eligibility depends on the state, insurance policy, and applicable appraisal clause.