Appraisal clause
Florida Statute §627.7015 and standard policy forms require carriers to participate in appraisal when invoked. The appraisal award is binding on ACV.
Sales tax & fees
Per Fla. Admin. Code 69O-166.030, insurers must include sales tax and title transfer fees in the settlement.
Salvage & title rules
Florida declares a total loss at 80% of ACV; salvage and rebuilt titles are governed by Fla. Stat. §319.30.
Diminished value
Florida courts recognize first-party diminished-value claims under certain policy forms.
How we help in Florida
We pull genuine Florida comparables within the local market, document trim and option packages, apply Florida-specific tax and fee rules, and rebut every condition adjustment line by line.
Recent Florida case result
De-identified outcome from a Florida appraisal we handled. Settlement ranges reflect actual recoveries.
A Tampa driver's 2020 Toyota RAV4 XLE was declared a total loss after a multi-vehicle collision. The carrier's CCC ONE valuation came in at $18,400, with three "fair" condition adjustments and two comps pulled from outside the Florida market. Our appraiser rebuilt the comp set using genuine Florida dealer inventory, corrected trim and option coding, and removed the unsupported condition deductions. Final settlement after appraisal: $22,950 — a +$4,550 increase, plus Florida sales tax and title fees paid on top.
Florida DMV & official resources
Official links for title transfers, salvage branding, and registration after a total loss.
- Florida FLHSMV
- Florida DOI complaint line1-877-693-5236
External links open in a new tab. Florida title/salvage procedures change occasionally — verify on the official DMV site before filing.
Florida total loss — frequently asked questions
Browse Florida guides by insurer
Each carrier handles Florida valuations differently. Pick yours for a tailored playbook.
- GEICO in Florida
- State Farm in Florida
- Progressive in Florida
- Allstate in Florida
- USAA in Florida
- Liberty Mutual in Florida
- Farmers in Florida
- Foremost Signature in Florida
- Kemper in Florida
- Travelers in Florida
- Bristol West in Florida
- Lemonade in Florida
- Mercury in Florida
- Safety Co in Florida
- Toogle in Florida
- AAA in Florida
- Tesla Insurance in Florida
- National General in Florida
- Root Insurance in Florida
- Chubb in Florida