REQUEST AN AUTOMOBILE VALUATION APPRAISAL – $275.00 for most cars.
RV AND HEAVY EQUIPMENT OWNERS PLEASE CALL FOR RATES.
Additional fees you may incur are $275.00 for our representation in Appraisal Clause negotiations.
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WE DON’T USE FORMULAS, ALGORITHMS, AD COMPARISONS OR OTHER SHORT CUTS
SIX UNBIASED DEALER QUOTES IN EVERY APPRAISAL TO VALIDATE OUR RESEARCH
TELEPHONE CONSULTATIONS ALWAYS FREE-OF-CHARGE
Posted on Tom WhippleTrustindex verifies that the original source of the review is Google. State Farm tried to lowball me on the loss of my motorhome. Franklin & team got me an extra $10k with no effort from me... they totally earned their fees!Posted on Steven MangTrustindex verifies that the original source of the review is Google. ★★★★★ The St. Lucie Appraisal Company turned a frustrating total loss claim into a fair outcome. After my 2019 Nissan Altima 2.5 Platinum was totaled, State Farm's initial ACV offer was $14,151 — well below what comparable vehicles in my market were actually selling for. I invoked the appraisal clause in my policy and engaged St. Lucie as my independent appraiser. From the very first email, they were responsive, professional, and transparent about the process. Their fee structure was clear and disclosed up front: $275 for the initial appraisal and an additional $275 for representation during the appraisal clause negotiations with State Farm's appraiser. No surprises, no upselling. They reviewed my evidence carefully, coordinated directly with State Farm's appraiser, and negotiated a final settlement of $17,757.13 base ACV (plus tax, title, and fees) — over $3,600 more than the insurer's original offer. After their $550 in total fees, my net gain was still more than $3,000. The math speaks for itself. What impressed me most was how seriously they took the case despite my being out-of-state (Oklahoma). They confirmed jurisdiction coverage upfront, communicated clearly in writing throughout, and delivered a result that more than paid for itself many times over. If you're disputing a total loss valuation and considering invoking your appraisal clause, I can't recommend St. Lucie Appraisal highly enough. They know the process, they respect their clients' time, and they get results.Posted on Jax RingTrustindex verifies that the original source of the review is Google. We used The St. Lucie Appraisal Company for our custom-built sand car. They expertly handled the unique aspects of the build, negotiated with our insurance company, and delivered a result we were very pleased with. Highly recommended for unique or custom vehicles!Posted on Craig KookenTrustindex verifies that the original source of the review is Google. My wife's 2024 Kia Telluride was rear-ended in Aug 2025 by a USAA-insured driver. After USAA paid $10,000 for repairs, we filed a Diminished Value Claim with USAA. We hired St. Lucie's to provide an accurate and detailed appraisal to support this DVC. USAA initially made a low-ball offer of $1,300. The appraisal from St. Lucie came in at around $6,000 for DV. Unfortunately for us, USAA refused to budge on their original low-ball offer. After USAA refused to negotiate or communicate over several months, armed with St Lucie's appraisal, I filed in small claims court. We didn't want to go this route, but USAA put us in this position. Six weeks after filing, USAA's attorney came back with a reasonable offer of $4,500, which we accepted. We would never have had a chance to receive these additional funds without the backing of this appraisal from St. Lucie. Thank you again, Franklin. I will tell you that Franklin cares deeply and will walk with you on this journey. Franklin answers every phone call and is extremely helpful. My insurance agent said 95% of people filing diminished value claims "roll over" and settle for lowball offers because they don't know how to handle big insurance companies. I say to you, pick up the phone, call St. Lucia, and Franklin will walk you through the entire process and have your back!Posted on Q INDEPTHREVIEWSTrustindex verifies that the original source of the review is Google. St Lucie Appraisal was great during my process. They answered their phone for my questions and even offered to be on the phone with me while I spoke/negotiated with the insurance company. They gave me step by step guidance which was awesome. They also were not ridiculously priced like many others I got quotes from. I have already recommended them to my friends and FAMILY!Posted on Gisell LópezTrustindex verifies that the original source of the review is Google. My auto insurance tried to swindle me out of thousands of dollars my car was valued at during a total loss (a company who panders to veterans and service members by the way) but Frank and his team managed to settle for what my car was actually worth. Please give them a call and make sure you aren’t getting shorted out of your settlement, you won’t regret it! He was a fantastic advocate during the settlement.Posted on Dominic PasqualinoTrustindex verifies that the original source of the review is Google. Franklin and his team do an excellent job. Their DV report was very detailed and saved me a lot of time negotiating with the insurance company. My diminished value claim was accepted immediately and I was very happy with my settlement. Excellent service, I highly recommend.Posted on Toby WillsTrustindex verifies that the original source of the review is Google. I recently had the unfortunate experience of my truck being totaled in an accident that wasn't my fault, and dealing with State Farm was a nightmare. They seriously undervalued my vehicle, leaving me stressed and frustrated during an already difficult time. That's when I turned to St. Lucie Appraisal, and I'm so glad I did. Franklin and his team were absolute professionals from start to finish. They stepped in to challenge State Farm's appraisal and successfully got the valuation increased by over $6,000—far better than what my own insurance company had offered. They handled everything with expertise, provided timely updates, and supported me through the entire process, easing the severe stress I was under. One would expect your insurance company to stand by your side, but State Farm fell short with slow responses and minimal assistance when it came to the numbers. In contrast, St. Lucie Appraisal truly fought for me and made a tough situation so much better. Thank you, Franklin and the team—I highly recommend them to anyone dealing with undervalued claims! Rating: 5/5 StarsPosted on Eli PeerTrustindex verifies that the original source of the review is Google. Franklin's diminished value report and guidance are AMAZING, so professionally done. Super detailed breakdown of how the value is calculated , so as how to submit it and communicate it with the insurance company. Huge thank you!Posted on M DeTrustindex verifies that the original source of the review is Google. We can’t thank Franklin and The St. Lucie Appraisal company enough for all of their assistance after our car accident. My husband and I were rear ended in our brand new car. Their report was super detailed and we were able to obtain the full value of their report. Exceptional customer service and Franklin is always available to assist and answer any questions that you may have. Thank you making this complicated situation so easy!Showing only 4-5 star reviews