When two appraisers disagree,
we settle the value.
When the vehicle owner's appraiser and the insurer's appraiser can't agree on a totaled vehicle's actual cash value, SecondAppraisal steps in as the neutral umpire and issues a binding appraisal award. Fast, evidence-based, and fair to both sides.
$199 per side · either appraiser can start · paid securely online
How an umpire engagement works
Submit the dispute
Either appraiser sends us both appraisals, the insurer's Market Valuation Report, and the vehicle details. The requester pays their $199 side to get started.
We invite the other side
We reach out to the opposing appraiser with a secure link to pay their $199 side and confirm their position. Both parties sign the umpire selection agreement.
We issue the award
We investigate the comparable market, determine the actual cash value, and issue a signed appraisal award binding under the policy's appraisal clause.
Jonathon Thomas, MSF, CPCU, AIDA
Appraiser / Umpire
Engagements are led by Jonathon Thomas, holding the Chartered Property Casualty Underwriter (CPCU) and Associate in Insurance Data Analytics (AIDA) designations and a Master of Science in Finance. Every award is grounded in current comparable-market evidence and the policy's appraisal provisions.
Why appraisers choose SecondAppraisal as umpire
Neutral and independent — we represent neither side, only the evidence.
Transparent flat fee: $199 per side, no hidden costs.
Either appraiser can pay their side or forward the secure link to their client or the insurer.
Comparable-market research and a defensible, signed appraisal award.
Both parties sign an umpire selection agreement up front.
A simple online portal to track the engagement end-to-end.
Ready to resolve the dispute?
Start an engagement in a few minutes. We'll handle the rest.