For RV owners with a total-loss claim
Your RV was totaled. Is the offer right?
Adjusters set Actual Cash Value from a published guide and a market comparison, then adjust for your unit's pre-loss condition, mileage, options and location. You are allowed to check their work. A dated valuation of your exact year, make, model and floorplan — every comparable linked — is the evidence you bring to the conversation, and to the appraisal clause if it comes to that.
An estimate, not an appraisal. We are independent of every insurer, dealer and J.D. Power.
How a total-loss valuation works
- Repair estimate vs value. The adjuster estimates repairs and compares them with the RV's pre-loss value. Over the policy's or state's threshold, it's a total loss.
- Actual Cash Value. Published book values (J.D. Power / NADA) plus a market comparison set the starting number. Book values come from MSRP depreciation tables and typically run high on retail; comparables show what buyers are actually asked to pay.
- Adjustments. Pre-loss condition, mileage, age, location, season, and specific options and upgrades move the number up or down.
- Your evidence. Ask for the adjuster's report, check the comparables, and bring your own dated valuation with linked sources.
- The appraisal clause. Still apart? Most policies let each side hire an independent appraiser, with an umpire to settle the difference. Where that clause requires a licensed appraiser, hire one — our report is the evidence you both start from.
Questions owners ask
How does the insurance company value a totaled RV?
An adjuster estimates the repair cost, compares it with the RV's pre-loss value, and declares a total loss when repairs exceed the policy's or state's threshold (often 60–100% of value). The value itself — Actual Cash Value — usually starts from a published guide such as J.D. Power (formerly NADA) and a market comparison, adjusted for the unit's pre-loss condition, mileage, age, location, options and upgrades.
What is the difference between Actual Cash Value and Agreed Value?
Actual Cash Value (ACV) is what the unit was worth in the market just before the loss, so it depreciates over time. Agreed Value is a figure you and the insurer set when the policy was written; it does not depreciate. Check your declarations page — the answer decides how much a valuation can move the number.
The offer is lower than what my RV would sell for. What can I do?
Ask for the valuation report the adjuster used and check the comparables: are they the same year, floorplan and condition, and are they current? Bring your own evidence — a dated, sourced valuation of your exact unit with every comparable linked. Most policies contain an appraisal clause: if you and the insurer still disagree, each side hires an independent appraiser and an umpire settles the difference. A licensed appraiser's report is what that clause calls for; a market valuation is the evidence you and the appraiser start from.
Is a Get My RV Worth report an appraisal?
No. It is an automated live-market analysis: J.D. Power reference values plus current comparable listings for your exact unit, normalized and linked, with three retail prices. It is an estimate, prepared without inspection, and it says so. It is not a USPAP appraisal and we are independent of every insurer, dealer and J.D. Power.
What does it cost and how fast is it?
One report for one RV is $19.99, ready in a few minutes, and you can print it for the claim file.
- Age, depreciation, condition, maintenance, brand, mileage, and RV type all move a price and are not fully accounted for in these calculations.
- J.D. Power (formerly NADA) is the most widely used RV valuation guide. There is no Kelley Blue Book for RVs. This app does not work on custom or homemade builds, and for some units it may not be able to blend J.D. Power values with current comparable listings.
- Current listings reflect asking prices, not sale prices. Like homes, sellers don't always get list price — buyers make offers. Season matters too.
- A private sale, a dealer cash offer, an insurance valuation, and a bank valuation after repossession can all differ. Trade-in values can only be set by a dealership; each has its own formula.
Insurance carrier, adjuster or TPA? See Professional Valuation Reports for insurers.