How Kemper undervalues claims
Valuation engine: CCC ONE Market Valuation
- Kemper uses CCC ONE and is known for slower response times than peer carriers — written demands tighten the timeline.
- Kemper frequently issues lowball first offers and resists upward revision without third-party documentation.
- Kemper rarely inspects vehicles in person, relying on claimant photos for condition adjustments.
- Independent appraisals with citable comps consistently improve Kemper settlements by $1,500+.
Florida laws on your side
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 & title fees
Per Fla. Admin. Code 69O-166.030, insurers must include sales tax and title transfer fees in the settlement.
Diminished value
Florida courts recognize first-party diminished-value claims under certain policy forms.
Statute reference
Fla. Stat. §627.7015 and Rule 69O-166.030.
How Kemper calculates ACV in Florida
In Florida, Kemper runs every total-loss valuation through CCC ONE Market Valuation. The system pulls roughly 8 "comparable" listings within a 170-mile radius of your ZIP code, then applies a base value before stacking deductions. For Florida claims, Kemper adjusters tend to subtract $700–$1,400 as a "condition adjustment" based on photos rather than an in-person inspection, and they almost always omit factory option packages (navigation, premium audio, tow package, advanced safety) that boost ACV in the Florida private-party market. Per Fla, but Kemper's first offer in Florida frequently leaves that line item blank until you push back. The comp radius, the condition deduction, and the option-package omission are the three places where Florida drivers consistently recover thousands once an independent appraiser re-runs the numbers.
Florida case study: +$4,440 on a 2020 Ram 1500
A the Tampa Bay area client came to us after Kemper offered $11,500 on a 2020 Ram 1500 totaled in a rear-end collision. The CCC ONE Market Valuation report pulled comps from outside the local market and missed two factory option packages. We rebuilt the valuation using Florida-specific dealer asking prices, corrected the mileage adjustment, and added the omitted options. Kemper revised the offer to $15,940 — a $4,440 increase — within 14 days, without invoking the appraisal clause. Representative example; outcomes vary by VIN, condition, and policy language in Florida.
Case details have been generalized to protect client privacy.