SnapClaim Money-Back Guarantee
Transparent, data-backed appraisals for Diminished Value and Total Loss (Fair Market Value) disputes — backed by a simple promise.
100% refund if your additional recovery is under $1,000
If you use a SnapClaim-certified report and the insurer’s final payout increases by less than $1,000 compared to the initial offer, we refund your report fee in full.See below for full details, eligibility requirements, and how the guarantee works.
How it works
We measure additional recovery as the difference between the insurer’s initial offer and the final settlement amount after you submit our report. If the difference is less than $1,000, you qualify for a full refund.See below for full details, eligibility requirements, and how the guarantee works.
Use a SnapClaim-certified report
Submit the report as part of your diminished value claim or total loss dispute.
Compare initial vs. final
We compare the insurer’s initial offer to the final payout. If the increase is under $1,000, we refund your report fee in full.
Request your refund within 60 days
Email support with proof of the initial offer and final settlement documentation.
Diminished Value
Guarantee definitions and required steps for Diminished Value claims.
Guarantee eligibility & exclusions
- If there was no initial diminished value offer, we guarantee at least $1,000 in diminished value recovery when using a SnapClaim report. No court filing is required to qualify.
- If an initial diminished value offer exists, the guarantee is evaluated differently:
- If your total additional recovery after using the SnapClaim report is less than the cost of the appraisal report, we guarantee a full refund of the report fee.
- If you file the claim in small claims court (or another court of appropriate jurisdiction) and use the SnapClaim report as supporting evidence, we guarantee at least $1,000 in additional recovery above your initial offer.
- Not eligible for the guarantee:
- Leased vehicles
- Vehicles with over 100,000 miles
- Model year 2019 or older vehicles
- Vehicles with undisclosed accident history prior to the current loss
Required claim steps by report type
To remain eligible for the Money-Back Guarantee, the report must be used in good faith and the steps below must be completed.
Diminished Value report — required steps
Share the initial insurance offer when you order the report
If the insurance company has already provided a diminished value offer, you must share it at the time you order your SnapClaim report so we can establish the baseline for calculating additional recovery.
Submit the claim and negotiate for a better settlement
You must submit the claim using the SnapClaim report and follow up in good faith. Simply submitting the claim may not be sufficient—reasonable negotiation and responses to the insurer’s questions or counteroffers are expected.
Total Loss (Fair Market Value)
Guarantee definitions and required steps for Total Loss / FMV disputes.
What counts as “additional recovery”
Total Loss / Fair Market Value disputes
- We compare the insurer’s initial base vehicle value (before tax and fees) valuation to the the final base value (before tax and fees) after our report is used.
- If the increase is under $1,000, you qualify for a full refund.
Required claim steps by report type
To remain eligible for the Money-Back Guarantee, the report must be used in good faith and the steps below must be completed.
Total Loss (Fair Market Value) report — required steps
Share the insurance offer for the vehicle value only (excluding taxes and fees)
Provide the insurer’s initial offer for the vehicle’s value alone. Taxes, title fees, registration fees, and other add-ons should be excluded so we can compare offers consistently.
Negotiate for a better payout using the report
Submit the report and actively pursue a higher settlement through reasonable negotiation and follow-up.
Invoke the appraisal clause if the offer is still not satisfactory
If negotiations do not result in a fair settlement, you must invoke the appraisal clause under the applicable insurance policy, when available, to demonstrate a good-faith effort to resolve the valuation dispute.
Share the final settlement after you sign the property damage release
Provide documentation showing the final settlement amount once the claim is finalized and the property damage release is signed. This is required to confirm the final recovery and evaluate refund eligibility.
How to request a refund
- Email support@snapclaim.com within 60 days of receiving your report.
- Include documentation showing:
- The insurer’s initial offer (before using our report), and
- The final settlement amount after using the SnapClaim report.
- Our team reviews your request and issues the refund to the original payment method within 5 business days.
No forms. No delays. Just clear documentation and a fair outcome.
Other Eligibility Requirements
- The report must be for a Diminished Value or Total Loss (Fair Market Value) claim.
- You provide proof of the insurer’s initial offer (if one exists) before ordering an appraisal report.
- You acted in good faith and provided the necessary claim documentation.
- You made a good-faith effort to negotiate with the insurance company, including responding to reasonable insurer questions or counteroffers, and requested assistance from our team if needed. Simply submitting the appraisal report or claim may not be sufficient.
Refund terms
- Refunds are issued only to the original payment method.
- Requests must be made within 60 days of report delivery.
- Applies to Diminished Value and Total Loss (Fair Market Value) appraisals only.
- SnapClaim may verify recovery documentation before processing.
Refunds will not be issued if:
- The customer fails to provide the insurer’s initial offer (when one exists) before ordering the report.
- The recovery process was not pursued in good faith.
- The report was altered, misused, or submitted without required documentation.
Our promise
At SnapClaim, we stand behind every report we produce. We’re not just an appraisal platform. We’re your advocate for fair and accurate recovery. Every valuation is backed by real market data, expert review, and a commitment to helping you challenge undervalued insurance offers. If your claim doesn’t result in meaningful financial improvement, you shouldn’t have to pay for it.
Questions?
Email us: support@snapclaim.com
Effective Date: October 22, 2025
FAQ
Money-Back Guarantee FAQs
Answers to common questions about SnapClaim’s Money-Back Guarantee for Diminished Value and Total Loss (Fair Market Value) claims.
Do I need to negotiate with the insurance company before ordering a SnapClaim report?
No. In most cases, we do not recommend negotiating before ordering an independent appraisal report.
- Diminished Value: Negotiating without a professional valuation often reduces your ability to achieve a higher settlement, since insurers are less likely to meaningfully revise their position once an initial stance is established.
- Total Loss (Fair Market Value): Wait until you receive the insurer’s vehicle valuation report (such as a CCC or Mitchell report). Once you have that evaluation, you can obtain a free estimate from SnapClaim. If there is a meaningful gap between the insurer’s valuation and our estimate, you can then proceed to order a full appraisal report.
Starting negotiations without an independent appraisal report may make it more difficult for the insurance company to change its valuation later.
What if the insurance company never made an initial offer?
If there was no initial offer, your claim is evaluated based on your total recovery after using the SnapClaim report.
- Diminished Value: We guarantee at least $1,000 in diminished value recovery when using a SnapClaim report — no court filing is required.
- Refund: If there is no initial offer and your final recovery is under $1,000, you qualify for a full refund.
- Total Loss: Wait until you receive the insurer’s valuation report (CCC/Mitchell), then get a free SnapClaim estimate. If there’s a meaningful gap, proceed to order a full report.
Tip: We do not recommend negotiating without an independent appraisal report, because it can reduce the likelihood that the insurer will meaningfully revise the offer later.
What if I already received a diminished value offer before ordering the report?
If an initial diminished value offer exists, that amount becomes the baseline.
- If your additional recovery after using the SnapClaim report is less than the cost of the report, we issue a full refund.
- If you file in small claims court (or another court of appropriate jurisdiction) and use the SnapClaim report as evidence, we guarantee at least $1,000 in additional recovery above the initial offer.
What if the insurance company refuses to increase their offer at all?
As long as you (1) submitted the SnapClaim report, (2) negotiated in good faith, and (3) can provide proof of the initial and final amounts (when applicable), you may still be eligible for a refund under these conditions:
- Diminished Value — no initial offer: If there was no DV offer and your total DV recovery after using our report is under $1,000, you qualify for a full refund.
- Diminished Value — initial offer exists: If your additional recovery is less than the cost of the report, you qualify for a full refund.
- Total Loss: If the increase between the insurer’s initial base vehicle value (before tax and fees) and the final base vehicle value (before tax and fees) after using our report is under $1,000, you qualify for a full refund.
Do I have to go to court to qualify for the guarantee?
- Diminished Value: Court is not required if there was no initial DV offer.
- If an initial DV offer exists:
- If your added recovery is less than the report cost, we refund the report fee.
- If you file in court and use the report as evidence, we guarantee at least $1,000 additional recovery above the initial offer or a full refund of the report fee.
- Total Loss: Court filing is not required. Most disputes resolve through negotiation or by invoking the appraisal clause when available.
What does “good-faith negotiation” mean?
Good-faith negotiation means you:
- Submitted the SnapClaim report to the insurance company,
- Responded to reasonable follow-up questions or counteroffers, and
- Gave the insurer a fair opportunity to reconsider their valuation.
If you need help, email the insurer’s response to support@snapclaim.com and attach your SnapClaim report so we can review and help draft a reply.
Simply submitting the report without follow-up may not meet the good-faith requirement.
What if I accept the insurance offer and stop pursuing the claim?
If you voluntarily close the claim or accept the insurer’s offer without completing the required steps, the Money-Back Guarantee does not apply.
How does the guarantee work for Total Loss (Fair Market Value) cases?
- We compare the insurer’s base vehicle value before tax and fees (initial vs. final).
- If the increase after using our report is less than $1,000, you qualify for a full refund.
- Taxes, title, registration, and fees are not included in the calculation.
My car is totaled. Do I need to invoke the appraisal clause to be eligible for the Money-Back Guarantee?
If an appraisal clause is available under your policy, you must invoke it if negotiations stall. This demonstrates a good-faith effort to resolve the dispute and is required to remain eligible for the guarantee in Total Loss (Fair Market Value) cases.
Are all vehicles eligible for the Money-Back Guarantee?
No. Eligibility requirements apply and are reviewed before processing any refund.
- Diminished Value is not eligible for: leased vehicles, vehicles over 100,000 miles, model year 2019 or older, or undisclosed prior accident history before the current loss.
- Total Loss has no mileage/model-year limits, but the guarantee does not apply if required documentation (VIN, make, model, year) was incorrect or inconsistent.
