I provide independent appraisal support for diminished value, total loss/ACV disputes, and appraisal clause files. I’ll review your documents, explain your options, and guide you toward the most favorable outcome possible with clear, defensible documentation and professional support.
INDEPENDENT, DOCUMENTATION-FIRST APPROACH ••••• CLEAR COMMUNICATION AND PROFESSIONAL DELIVERABLES ••••• SERVING GA | FL | SC
Services
Diminished Value (DV)
Independent DV support built for real-world claim negotiation and resolution.
Total Loss / ACV Disputes
Review of valuations, comps, conditioning, and deductions to strengthen your position.
Appraisal Clause Support
Independent documentation and support for appraisal clause matters involving damage scope and/or valuation.
How It Works
Free Review Intake
Submit the basics and any available documents/photos
Review + Plan
I review the file and outline practical next steps
Documentation + Guidance
You receive clear support tailored to your situation
Service Area
Serving Georgia, Florida, and South Carolina. Remote review available depending on file type and documentation.
About Steven Fletcher
I’m Steven Fletcher, owner of Fletcher Appraisal Solutions. I provide independent automotive appraisal and claim documentation support focused on diminished value, total loss valuation disputes, and appraisal clause matters.
My approach is straightforward: clear documentation, direct communication, and guidance toward the most favorable outcome possible based on the facts of the file.
FAQ
Even after a quality repair, a vehicle that’s been in an accident is often worth less than it was before the loss. That loss in market value is called Diminished Value (DV).
Buyers, dealers, and appraisal tools often factor in:
- Accident history
- Structural/major repairs and replacement panels
- Paintwork, ADAS/safety system involvement, and part types
- Perceived risk and “stigma” in the resale market
Many auto insurance policies include an Appraisal Clause (also called Right to Appraisal). This is a built-in dispute process used when you and the insurance company disagree on:
- The amount of vehicle damages/repair cost, or
- The value of a total loss (Actual Cash Value / ACV)
If the clause applies, the process generally works like this:
- You hire your own appraiser
- The insurance company hires their appraiser
- The two appraisers review the facts (estimate, photos, procedures, invoices, valuation data, etc.) and try to agree on the amount
- If they can’t agree, most policies allow an agreed-upon umpire to resolve the difference (process varies by policy)
A review of the basics you provide, what matters in the file, and recommended next steps.
Yes, in Georgia, I assist both claimants and insureds with DV support.
Anything available, including estimates/final bills, valuation reports, photos, and claim information.
Yes, I provide support involving damage scope and/or valuation issues.
Every file is different. After the free review, I’ll outline the expected next steps and timeline.
No. Services are for appraisal/documentation support and do not replace legal counsel.
Free Review
Submit the basics and I’ll respond with next steps and the strongest path forward.