What an Appraisal Actually Looks At
Before a value goes on your declarations page, someone has to arrive at it. Here's what that process usually covers.
Published February 3, 2026
Agreed value coverage starts with a number, and that number usually comes from an appraisal. It’s worth knowing what that process actually looks at, since it’s the basis for what a total loss would pay.
Originality and documentation
Numbers-matching components, original trim, and a documented history (titles, prior sales, build sheets) all support a higher valuation than a car with an unclear past, even if the two look similar in photos.
Condition, not just cosmetics
An appraiser looks past the paint — mechanical condition, the quality of any restoration work, and whether components are period-correct or reproduction all factor into the figure.
Market comparisons
Recent sales of comparable vehicles, at comparable condition and originality, anchor the appraisal in what buyers are actually paying — not just what a price guide says.
What you can do to help
A folder of receipts, before-and-after restoration photos, and any prior appraisals make the process faster and usually support a stronger number. If you don’t have all of that, it’s still worth starting the conversation — we’ll tell you what a given carrier needs.
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