Build a Factual Claim Letter and Evidence Checklist

How to Use Each Letter Mode

Each mode is meant for a specific, narrow ask — not a general complaint. A valuation report request is usually the right first step any time you've only been given a summary or a verbal number: you're entitled to see the actual report before you can meaningfully evaluate it. A factual correction request only makes sense once you've actually reviewed that report and found something concrete and specific — a wrong trim, wrong mileage, a missing option package — not a general feeling that the number is too low. A comparable-vehicle reconsideration request works well after you've gathered your own comps (the Total-Loss Offer Audit tool helps organize these). A diminished-value claim notice is for repaired vehicles, not total losses, and should only reference facts you can support. A request for written explanation of adjustment is useful when a specific line item — like a "typical negotiation" deduction — isn't explained anywhere in the report. And a request for policy appraisal-clause language is a good first step before considering the formal appraisal process, since that clause's exact terms vary policy to policy.