Frequently Asked Questions
Is the initial claim review free?
Yes. The initial review of your insurance valuation is free and carries no obligation to purchase the appraisal service.
Do you just prepare a report?
No. Justin researches your vehicle’s value, prepares a supported written appraisal, and discusses the valuation directly with the insurance company’s appraiser. He presents evidence, evaluates differences between the appraisals, responds to the other appraiser’s findings, and negotiates toward an agreed vehicle value while keeping you informed.
How does the appraisal clause process work?
When the process applies to your claim, you and the insurer each select an appraiser to assess the disputed value. Justin develops his independent appraisal and works directly with the insurer’s appraiser toward agreement. If agreement cannot be reached, the remaining differences may require an umpire. Justin will discuss the relevant policy provision and next steps for your situation.
Read the full step-by-step process.
What does the $500 fee include?
Valuation research, a supported written appraisal, and direct appraiser discussions and negotiation. No upfront payment. If we don’t increase your vehicle’s value by more than $500 over the current offer, you owe nothing for our appraisal service. Otherwise, the $500 fee becomes due once the appraisers agree on a value, before Justin signs the appraisal agreement. If the claim is resolved through an umpire, any earned $500 service fee is due upon the umpire decision. Umpire fees are separate and require your written approval before we commit to those costs.
What is an umpire, and who decides whether to proceed?
An umpire is an independent third party who may be needed to help resolve a disagreement the two appraisers cannot settle. An umpire is not needed in every appraisal, and umpire fees are separate from our $500 fee.
Proceeding to an umpire is a decision we make together with you. We’ll discuss the amount still in dispute, potential costs, and whether proceeding makes financial sense before deciding together how to proceed.
What should I send?
Send your insurance valuation report and your vehicle’s year, make, model, mileage, and equipment details. A policy copy, photos, a window sticker, and information about condition or upgrades can also help.
Will my vehicle’s value increase?
An increase is not guaranteed. The review may support the current offer or identify a basis for further appraisal work. Justin will explain his findings honestly.
Where do you work?
Just’n Fair is based in Sutton, Massachusetts, with a focus on Massachusetts, Rhode Island and Connecticut. Other New England claim inquiries are welcome.
When will I hear back?
Justin reviews your submission and contacts you to discuss the findings and next steps. Consultations are scheduled by appointment.
Do I have to commit after the free review?
No. The initial review helps you understand the offer and decide whether further work makes sense for you.