Independent appraisers · All 50 states

The insurance company decided what your car was worth. We disagree.

If your total loss offer feels low, it probably is. We invoke the appraisal clause in your policy and negotiate on your behalf. On average, our clients get 46.8% more than the first offer.

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If you don't get paid, we don't get paid. No upfront fees, ever.

No upfront fees 46.8% average increase Serving all 50 states Free review, no obligation

How it works

Three steps between you and a fair number

Most drivers don't know their policy includes an appraisal clause. We do this every day. You send the offer, we do the fighting.

  1. Send us your offer

    Tell us about your vehicle and the insurer's number. We review your claim for free and tell you honestly whether it's worth challenging.

  2. We invoke the appraisal clause

    We guide you through invoking the appraisal clause in your policy, then take over the valuation and negotiate directly with the insurer.

  3. You get a fair settlement

    Our clients average 46.8% more than the first offer. Most cases resolve in 2 to 4 weeks, and you pay nothing unless your settlement improves.

Start With Step One

How we get paid

The first offer stays 100% yours. Always.

No upfront fees, no hourly rates, no invoices in the mail. Our fee is 35% of the increase we secure above the insurer's first offer. If the number doesn't move, you owe us nothing.

Example: your insurer offers $11,200 and we settle at $16,400. Our 35% fee comes only from the $5,200 increase. You keep the full first offer, plus $3,380 you would never have seen otherwise.

  • The first offer: untouched. We never take a cent of it.
  • The increase: our 35% fee comes only from this part.

"If you don't get paid, we don't get paid."

What we do

Five jobs. One outcome: a fair number.

A total loss claim has a lot of moving parts. We handle all of them, so the insurer deals with us instead of wearing you down.

A Rainrock representative shaking hands with a client beside a vehicle

  1. Total Loss Appraisal & Valuation

    An independent, evidence backed valuation of your vehicle's true market value, built to stand up against the insurer's number.

  2. Appraisal Clause Dispute Resolution

    We invoke and manage the appraisal clause in your policy, the formal path to challenge a lowball total loss offer.

  3. Claims Negotiation

    We negotiate directly with your insurer on your behalf, so you never have to argue value with an adjuster again.

  4. Insurance Claims Support

    Guidance through the paperwork, deadlines, and carrier requirements that trip up drivers handling a claim alone.

  5. Client Support

    A real person to answer your questions and keep you updated at every step, from first review to final settlement.

A silver SUV parked in front of a snow capped mountain

Why Rainrock

Built to sit on your side of the table

Rainrock & Associates is an independent firm that works only on total loss claims. Our appraisers have spent years inside these valuations. They know exactly how carriers assemble a lowball number, and how to take one apart.

  • Independent advocates with no ties to any insurer
  • Years of experience with total loss valuations and the appraisal clause
  • Serving drivers nationwide, in all 50 states
  • No upfront fees, only 35% of the increase we win above the first offer
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46.8%average increase over the insurer's first offer
$0upfront fees, ever
50states served, nationwide
2–4weeks to resolve most cases

Real results

They almost took the first offer

Every client below came to us with a number that felt wrong. Here is how it ended.

★★★★★
Honestly I almost just took what they offered. My brother told me to call Rainrock first and I'm glad I did. I didn't have to do much, they walked me through everything. Ended up with a lot more than I expected.
Alex T.Rainrock client
★★★★★
The insurance company sent me a number and acted like that was just how it was. It wasn't. Rainrock knew exactly what to do and didn't let them off easy. I wish I'd called sooner.
Jamie R.Rainrock client
★★★★★
They offered me $11,200 for a truck I paid $19k for two years ago. Rainrock got me to $16,400. The process took about three weeks. Would have left thousands on the table if I hadn't made that call.
Marcus D.Rainrock client

Common questions

Answered straight, no fine print

If your question isn't here, start a free review and ask us directly. A real person reads every submission.

Ask Us About Your Claim

No upfront fees. We work on contingency: our fee is 35% of the increase we secure above the insurer's first offer, and we only get paid when you do. If we don't improve your offer, you owe nothing.

Most auto insurance policies include an appraisal clause that gives you the right to dispute a total loss settlement. You invoke it, then both sides bring in representatives to establish fair market value. If they can't agree, a neutral umpire makes the final call. We guide you through the whole process and negotiate on your behalf once it's invoked.

Most cases are resolved within 2 to 4 weeks, depending on your insurer's responsiveness and the complexity of your claim.

If your vehicle has been declared a total loss and you believe the insurer's offer is too low, you likely qualify. There's no obligation to find out.

If your insurer has already sent you a valuation, try to have your CCC ONE report on hand. This is the vehicle valuation report most insurers use to justify their offer. Having it ready helps us review your claim faster and identify where they may have undercalculated your vehicle's value.

In some cases we can still help. It depends on your state and what you signed. Contact us as soon as possible and we'll review your situation.

Get back to your life.
We'll handle the insurer.

A free claim review takes minutes and a real person reads it. No upfront fees, no obligation, no pressure. Just an honest read on whether your offer is fair.

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Free review · No obligation · No upfront fees

Results vary based on the specifics of each claim. The 46.8% figure and client quotes represent typical outcomes and are not a guarantee of any particular result. Rainrock & Associates guides clients through the appraisal clause process and negotiates on their behalf but does not provide legal advice.
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