Terms and Conditions Appraisal Terms and Conditions All reports are offered on an as-is basis only. All Included inspections must be conducted at our physical office, located at 4264 SW Plumeria Way Aloha, OR 97078. No Inspections will be conducted elsewhere unless a written agreement has been initiated stating where and when, and will be subject to an additional fee. Any information provided over the phone, by email, mail, in reports, appraisals, estimates or any other type of documentation is not and should not be considered in any way to be legal advice, or an offer to provide legal advice. The information contained in any provided documentation, reports and/or appraisals are based solely on our professional automotive opinion from years of training and actual experience.
All First party claims will be decided at our discretion independently from the primary claim parties (your insurance company and/or you can have no influence on the decision). No refunds are allowed on First party claims whether for a total loss fair market valuation, or a loss of value (diminished value) valuation. All physical inspections are to be performed at 1155 SE Pine St. Portland, OR 97214 unless specifically outlined in an invoice or email stating a different location agreed upon by Ken Nix. If your appraisal includes a physical inspection, by purchasing the appraisal, you agree to make an appointment with our office and having your vehicle available at the above address at a specific time, Monday thru Friday, 9am to 5pm at the appraiser’s request. The inspection is to determine condition for the appraisal only, any additional opinions, information, improper repairs, and/or any other information as to the repairs made to the vehicle are considered confidential and you agree to not reference the appraiser in any way when speaking to a body shop or insurance company. Any additional information supplied by the appraiser to you is a personal opinion only.
Refund Policy There is no guarantee of a specific outcome made by Leverage Auto Appraisals / Diminished Value of Oregon or its associates to our clients at any time. To keep the integrity of the report intact, once the report is ordered/purchased no refunds will be made under any circumstance with the only exception, being if you qualify for our money back guarantee regarding a diminished value claim. This includes: accidental purchases, buyer remorse, appraisals not completed due to you not supplying all necessary documentation and/or time it may take to complete an appraisal, your insurance company refusing to hire an opposing appraiser, a 3rd party insurance company refusing to negotiate the value, and/or appraisals not completed due to you not invoking your appraisal clause in a first party claim.
Money Back Guarantee (applies to diminished value appraisals only) These Terms and Conditions must apply to you and/or your vehicle in order to qualify for the Money Back Guarantee.
• You Must not have signed a release of liability prior to submitting your appraisal and/or demand to the insurance company.
• Your vehicle must be Five years old or newer in relation to the current model at the date of loss.
• Your vehicle’s Pre-loss condition must be at least Clean as defined by Blackbook. (Clean – Very little interior or exterior wear. The vehicle is 100% mechanically sound. Any paint repair is almost unnoticeable. The vehicle should be accompanied by a clean history report. All tires should fully match and have good to excellent tread.)
• Your Vehicle must have less than 100,000 miles.
• Your vehicle must not have any prior accident history whether published in a vehicle history report or not.
• The final Settlement must be less than the amount you paid for the appraisal or report.
• The money back guarantee is strictly limited to the amount you paid for the appraisal report only. There are no guarantees as to any other settlement amount including any estimates or guesstimates as to the recovery of any award, an associate or appraiser may make.
• You were not determined to be at-fault in any way in the accident or collision.
• If the insurance company has offered or paid for any appraisal or report reimbursement costs, you do not qualify.
• Leased vehicles do not qualify for the Money Back Guarantee. You must own your vehicle and be the titled owner to qualify.
• The guarantee only applies to 3rd party claims, and does not apply to any 1st party claims.
• In order to qualify, you must provide proof that you followed our recommendation and instructions.
• If we recommend to you to file a lawsuit against the insurance company or the at-fault driver and you do not do so, you do not qualify.
• All claim settlements and/or non-settlements must be verified before we will accept your money back guarantee claim. This may include copies of emails, insurance settlement checks or electronic deposits, all correspondence with the insurance company, denial letters and well as proof of filing a lawsuit and proof of the verdict being less than the cost of the appraisal.
• Desk Appraisals do not qualify for the money back guarantee, only appraisals with physical inspections.
• Fair Market Value and/or Total Loss Appraisals may not be made available to the purchaser in 1st party claims and may only be used by the appraiser if the appraiser is also negotiating the amount with another entity on your behalf.
• The appraisal is based on the information you supply. If you supply incorrect information, you do not qualify for the money back guarantee even if no appraisal is produced. (we can not produce an appraisal based on fraudulent information). If we produce the appraisal and it is determined you supplied incorrect information, an additional charge may apply for the revision.
• You must have provided all required documentation, including final estimates with summary, etc.
If you meet the above criteria and requirements and would like to file a claim, please contact us at:
An Estimate is just that, an Estimation of the loss in value your vehicle has suffered. An estimate may be off thousands of dollars due to differences in the type, severity, or amount of damage/repairs. It can also be off due to many other scenarios including prior damage, prior reported damage, incorrectly reported prior claims/damage, etc.
Any appraisal that is cancelled once the inspection is set is completely non-refundable. Any inspections paid for that contain pre-emptive service expenses are non-refundable. Examples of Pre-emptive service expenses are: Vehicle History report, Professional Automotive Guide sheets, Auction data for comparables, etc.. Desk Appraisals performed by self-submitted materials are completely non-refundable unless they qualify for our money back guarantee once the assignment is started. If the buyer feels the appraisal is taking longer than expected, the buyer must submit in writing a request to expedite the appraisal no less than 30 days after initiating the assignment and if not completed within 5 business days of the seller receiving the request to expedite completion of the appraisal, the buyer will be entitled to a full refund of services not rendered.
All reports/appraisals must be paid for before work is started to ensure integrity of the report. If you feel you must dispute a charge, please contact us VIA Email ( with the Subject being CREDIT CARD DISPUTE) before you file a dispute. We will always be willing to try to work with you to resolve the matter. Credit Card Payments that are reversed/disputed without permission will be treated as theft and reported to the authorities, this also may be considered insurance fraud and reported to the insurance company, attorney general, insurance commissioner, and/or proper authorities. This will also be reported to the credit agencies. This is a common fraud whereas a claimant will shop the value to find a higher value, especially when we find a prior loss on a vehicle and the claim amount goes down from the estimated diminished value.
In the event Ken Nix, Of Leverage Auto Appraisals, has been appointed by two appraisers to act as a neutral umpire, payment for his services will be due before the start of the assignment. Payment for Umpire services is the responsibility of both the insurer and the policyholder. The full payment is divided at fifty percent (50%) for each party, between the parties stated in the appraisal clause of the insurance contract. Each party is responsible for their part of the payment
and once started, this service is not cancellable. Both the policyholder and the insurer acknowledge the Umpire invoice is separate from any payments issued by the insurer to the Policyholder on the respected Claim/Appraisal/Appraisal Clause. This amount may not be an allowed reimbursement by the State law. In the event the Umpire should incur any legal fees or costs to enforce this agreement, the Umpire shall recover his attorney’s fees, and costs plus a service charge of 18% per annum from any party that may chargeback through a financial institution for any reason.
Ken Nix, Loss Values, leverageautoappaisals.com nor any of its associates, owners or appraisers do not offer legal or tax advice. The information presented at this site should not in any way be construed to be legal advice. If you are in need of legal advice, you should seek the help of a qualified attorney in your city and state. Laws vary by state and you are urged to research the specific laws and your rights within your state. Ken Nix, Loss Values, leverageautoappraisals.com or any of it’s associates, owners or appraisers shall be excused from performance hereunder to the extent that performance is prevented, delayed or obstructed by causes beyond its reasonable control. This Agreement (including any amendment agreed upon by the parties in writing) represents the complete agreement between us concerning its subject matter, and supersedes all prior agreements and representations between the parties. If any provision of this Agreement is held to be unenforceable for any reason, such provision shall be reformed to the extent necessary to make it enforceable to the maximum extent permissible so as to affect the intent of the parties, and the remainder of this Agreement shall continue in full force and effect. This Agreement shall be governed by and construed under the laws of the state of Oregon without reference to its conflict of law principles. In the event of any conflicts between foreign law, rules, and regulations, and Oregon law, rules, and regulations, Oregon law, rules and regulations shall prevail and govern.
Each party agrees to dispute resolution and/or arbitration by a 3rd party before filing any legal action against the other party.
Each party agrees to submit to the exclusive and personal jurisdiction of the courts located in Washington County in the State of Oregon. Any notices to Ken Nix, leverageautoappraisals.com any of it’s associates, owners or appraisers must be sent to: Attention: Ken Nix / Leverage Auto Appraisals with an initial email to to obtain our mailing address which all legal notices must be sent to.

Total Loss, Getting Your Real Market Value.

We don’t just write a Total Loss Fair Market Value appraisal like some companies. Our Total Loss auto appraiser will also negotiate with your insurance company’s appraiser to get a fair value for your totaled vehicle. This is included in the price of your appraisal, you won’t be upsold later on like some companies. Ken has over 38 years of negotiation experience. Licensed Auto Appraiser in Oregon

Auto Appraiser

Over 11 years as an Oregon Licensed Auto Appraiser


Over 38 years experience in negotiations.

Only Works For Consumers

No conflict of interest here. We only work for consumers, not insurance companies.

Detailed Specs

In Oregon and Washington, if you feel you’ve been offered an unfair amount, you’ll normally have an appraisal clause in your policy that allows you to dispute their offer. The appraisal clause allows you to hire an independent auto appraiser to produce an appraisal and your insurance company will also have to hire an independent auto appraiser to produce one for them. The two auto appraisers will negotiate the value between them, if they can not come to an agreement, then an Umpire will decide which appraisal is more credible.

In Oregon, if we increase the value by one cent more than the last offer your insurance company offered you, they have to reimburse you for the cost of the appraisal.

If your claim is with your insurer, you may have the right to an appraisal if your policy
includes an appraisal provision. Your insurer must reimburse your reasonable
appraisal costs if the final appraised value is greater than the insurer’s last offer. This
provision applies to all new policyholders on or after January 1, 2010 and to current
policyholders upon the first renewal of their policy that occurs on or after January 1,
2010. Ask your claims adjuster or the Insurance Division for more information.

Lowball offers from CCC One are more common than you may think. In the case of Buratovich v. Farmers Insurance, documents obtained during discovery, reflected that Farmers Insurance had selected CCC One solely due to it’s evaluations having the lowest payout in regards to a Total Loss Claim. CCC has also recently come under fire in Georgia where consumer advocates claim they have substantially lower valuations than other companies.If your car, truck, RV, motorcycle, or other wheeled vehicle has been totaled, before you accept the insurance company’s total loss offer, you should speak to an Auto Appraiser.

There have also been several Class Action Lawsuits filed regarding Mitchell / J. D. Powers and Associates Total Loss Valuation Methods. This valuation has been involved in several cases where consumers have sought class action lawsuits against State Farm and Progressive for using Mitchell and J.D. Powers valuations.

Oregon Law requires the automobile insurance companies to:

  • Provide written notice to the vehicle owner explaining total loss. The notice should inform Oregon claimants, how car valuations are determined, and what steps an owner can take if they disagree with the insurer’s offer.
  • Provide the Oregon car owner the appraisal or valuation reports that have been used to determine the value of the damaged vehicle. 
  • Pay the total loss owner the amount that isn’t in dispute, while the negotiation over the car valuation continues. (For example, if the insurer offers $15,000 and the vehicle owner seeks $18,000, the insurer should pay the $15,000 immediately).
  • Reimburse the car owner for reasonable car appraisal costs. This will apply when the car owner has a right to seek appraisal and the final appraised value is higher than the last offer of the insurer. 





When Hiring an Auto Appraiser, make sure they are certified by the Oregon Department of Transportation. Otherwise, the appraisal may not be considered credible. We are an Oregon certified and licensed auto appraiser. #V34-075


Some appraisal companies inflate their valuations in an effort to entice you to use them because they have the largest value. Largest doesn’t mean you’ll settle for more, normally it’s the opposite. Most insurance companies know who provides credible appraisals, and who provide inflated values


With over 11 years as a licensed and Certified Oregon Auto Appraiser, Ken has the experience to handle any job. He has over 38 years negotiating experience with over 30 years spent in the automotive industry.




Auto Appraisals

(503) 420-3001


Portland, OR. 97225


Open Hours

Mon:10am – 5pm
Tue: 10am – 5pm
Wed: 10am – 5pm
Thur: 10am – 5pm
Fri: 10am – 5pm
Sat: 10am – 5pm
Sun: Closed

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