OUR $200 UPGRADE PROMISE
If we recommend the upgrade in writing after your $50 assessment, you submit its evidence as described below, and the insurer’s written vehicle-value offer increases by less than $200, we refund the full $200 upgrade fee. The initial $50 assessment is excluded from this outcome promise. An increase of $199 qualifies; an increase of $200 does not. This is a fee-refund promise, not a guarantee of a higher insurance offer.

ELIGIBILITY AND BASELINE
One vehicle and loss per purchase. Before you buy, we record the highest valid written pre-tax vehicle value already offered by the insurer. The claim must still be open to valuation evidence. Tell us about any accepted settlement, release, or revised offer.
Compare the same vehicle-value component, including equipment, condition and mileage adjustments. Exclude taxes, title/registration fees, deductible changes, salvage choices, rental, injury, GAP, interest and loan-payoff changes. An increase paid to your lender counts; cash in your pocket is not the measure.
If the insurer increases its offer before you submit the packet, tell us. We explain and agree the updated baseline; that earlier increase cannot satisfy the promise. You may cancel for a full upgrade refund if the remaining opportunity no longer supports the upgrade.

SUBMIT WITHIN 14 CALENDAR DAYS
Send the packet and relevant factual response to the insurer within 14 calendar days after delivery, or an extension agreed in writing. You may edit the wording and must not repeat facts you cannot verify. Keep a sent email, portal receipt, screenshot or similar proof. Correcting our error restarts this submission period for the corrected packet.

WHEN A REFUND QUALIFIES
We compare the baseline with the highest valid written vehicle-value offer made after submission and before your refund is resolved. An available offer counts even if you decline it; a withdrawn or mistaken offer does not. You do not need to prove our packet alone caused an increase.
Request a refund after a final written refusal or final revised offer below the $200 increase. If the insurer is silent or still reviewing, you may request it 45 calendar days after submission if no qualifying increase has been offered. You never have to accept an offer, sign a release, hire counsel, sue, invoke appraisal or keep appealing to qualify.

REQUEST WITHIN 90 CALENDAR DAYS
Contact us within 90 calendar days after packet delivery. Reasonable written extensions are available for delays we cause or genuine difficulty obtaining records. Provide the baseline offer, submission proof and any written outcome. For silence or pending review, submission proof plus your written confirmation of no qualifying offer is sufficient. Unrelated sensitive information and account/claim numbers may be redacted; relevant dates, values and matching vehicle details must remain readable.
We identify genuinely missing proof promptly. Qualifying refunds are sent to the original payment method within 5 business days after complete reasonable proof, without a processing deduction. Bank posting may take longer. No duplicate refunds, review-removal condition or repayment if the insurer later increases its offer. Intentional material fraud can disqualify a request; an ordinary typo does not.

ORDINARY CANCELLATIONS AND SERVICE PROBLEMS
Cancel the assessment before research begins for a full $50 refund. The assessment fee pays for research and brief written findings, including a finding that no upgrade is worthwhile. Cancel an upgrade before its packet is delivered for a full $200 refund. Once delivered, the upgrade promise above applies separately from any defect or nonperformance remedy.
If we cannot perform, miss the promised delivery date and you decline a revised date, or find no useful support for a recommended upgrade, we refund the undelivered service or unsupported upgrade. We correct our factual or calculation errors at no additional charge. Contact us about duplicate payments or work that does not match the agreed scope. Nothing in this policy limits rights provided by law.

CONTACT
Use Contact or info@totallossvalueexpert.com. Include your name, purchase date and a brief explanation; never include full payment-card details. Business days are Monday–Friday, excluding U.S. federal holidays, using Central Time.