Terms of Service and Client Agreement

Effective: March 11, 2026 · Last updated: July 31, 2026 · Value Reclaimed LLC ("Value Reclaimed," "we," "us," or "our") · valuereclaimed.com

Please read these Terms carefully before submitting an intake form or making payment. By submitting your intake form and/or payment, you agree to be bound by these Terms in their entirety.

1. Services Provided

Value Reclaimed provides diminished value ("DV") appraisal and report preparation services for vehicle owners who have experienced a loss in market value following a collision repair. Our services include:

Preparation of a written diminished value appraisal report using a market-based comparable sales methodology
A demand letter addressed to the at-fault party's insurer
A Department of Insurance (DOI) complaint template, where applicable
Insurer-specific negotiation strategy and counter-response guidance, included with your report

We offer two service tiers: the Standard Appraisal ($399 list price), for vehicles with no structural damage, and the Structural Appraisal ($499 list price), for vehicles with documented frame, unibody, or structural component damage. Where promotional or founding-client pricing is displayed on our website at the time of your purchase, the price shown at checkout is the price you pay and supersedes list pricing for that order.

Service tier is determined by Value Reclaimed based on the information provided in your intake form and supporting documentation. If structural damage is identified after intake, we reserve the right to adjust the applicable tier and invoice the difference prior to report delivery.

2. Scope of Services and Limitations

2.1 Report preparation only

Value Reclaimed prepares written appraisal reports and supporting documents. We do not provide legal advice, insurance advice, or representation of any kind. You submit your own claim and correspond with the insurer directly; we do not negotiate with insurers on your behalf or act as your agent. Nothing in our reports or communications constitutes legal counsel. If you require legal representation, you should retain a licensed attorney.

2.2 No guarantee of recovery

We make no guarantee, representation, or warranty that any insurer will accept, honor, or pay any amount based on our report; that our report will produce a specific dollar outcome; that the at-fault insurer will respond within any particular timeframe; or that filing a DOI complaint will produce any specific result. Diminished value claims are subject to state law, individual insurer practices, policy terms, and negotiation. Outcomes vary. Our obligation is to deliver a professionally prepared, methodologically sound appraisal — not to guarantee its acceptance by any third party.

2.3 Flat-fee service

Our fee covers report preparation only. We do not charge on contingency and do not take a percentage of any recovery.

2.4 Eligibility and state restrictions

Value Reclaimed performs a free pre-screening process to assess claim viability prior to intake. Passing the prescreener does not guarantee a favorable outcome. We do not currently serve Nebraska (no established legal basis for third-party DV claims) or Oregon (Oregon law requires DV reports to be signed by a state-licensed appraiser, a credential we do not hold). Clients in other states with limited DV rights, including certain no-fault states, are informed of applicable restrictions where known; it remains the client's responsibility to verify their state's DV laws and filing deadlines.

North Carolina clients: our reports support the standard demand and negotiation phase of a DV claim. If a claim escalates to the formal NC appraisal clause process under NC Gen. Stat. § 20-279.21, that proceeding requires a state-licensed NC Motor Vehicle Damage Appraiser. Engaging such an appraiser for the appraisal clause step is outside the scope of our services and remains the client's responsibility.

3. Client Responsibilities

By submitting an intake form, you represent and warrant that: all information provided is true, accurate, and complete to the best of your knowledge; the vehicle described is your property or you are authorized to act on behalf of the owner; the accident described occurred as stated and repairs have been or are being completed by a licensed repair facility; and you will provide all requested supporting documentation (repair invoice, photos, claim information) in a timely manner.

Providing false, misleading, or materially incomplete information voids any service guarantee and releases Value Reclaimed from liability for any resulting inaccuracies in the report.

4. Payment Terms

Payment is due in full at the time of intake submission. Reports will not be prepared or delivered until payment is confirmed. We accept payment via Stripe; we never see or store your card details. All fees are in U.S. dollars.

If your claim is determined to be ineligible after payment and prior to report preparation, we will issue a full refund. If report preparation has begun and the claim proves ineligible for reasons you disclosed accurately at intake, you remain covered by the Documented-Value Guarantee in Section 6.

5. Delivery and Turnaround

We target delivery of your completed appraisal report within 48 hours of receiving all required documentation. This timeline is an estimate and not a guarantee; complex structural claims or incomplete documentation may require additional time. We will communicate with you via the email address provided in your intake form. It is your responsibility to ensure your email address is accurate and that our communications are not filtered to spam.

6. Guarantees

6.1 Documented-Value Guarantee

If the inherent diminished value we document in your report is less than the cost of your report, you don't pay — we will refund your fee in full. This guarantee applies to the value we document, which is within our control, and does not depend on how the insurer responds.

We also pre-screen every claim before accepting payment. If we do not believe your claim has merit, we will tell you so for free, before you spend anything.

6.2 Report-Defense Remedy

In addition, if your insurer responds in writing with a formal denial of your diminished value claim citing the methodology or substance of our report as the basis for denial, and you notify us within 30 days of that denial with a copy of the written response, we will review the denial and, at our discretion, either revise and reissue the report at no additional charge, or issue a refund of the service fee paid.

The Report-Defense Remedy does not apply where: the insurer denies the claim for reasons unrelated to report methodology (e.g., policy exclusions, coverage disputes, statute of limitations); the claim is denied due to state law restrictions you were informed of prior to ordering; you did not submit the demand letter or pursue the claim; the insurer offers a lower amount without a formal written denial; or the 30-day notification window has elapsed.

6.3 General conditions

All guarantees are void where the client provided inaccurate, incomplete, or misleading information during intake. These guarantees represent our entire liability with respect to claim outcomes. We reserve the right to determine in good faith whether the conditions of a guarantee have been satisfied.

7. Intellectual Property

All reports, templates, letters, and supporting documents prepared by Value Reclaimed are the intellectual property of Value Reclaimed and are licensed to the client for the sole purpose of pursuing their individual diminished value claim. You may not reproduce, resell, or distribute our reports or methodology for commercial purposes; use our reports as the basis for a competing appraisal service; or share our reports publicly in a manner that would compromise their use in your claim. Your client-specific report is yours to use in your claim; our methodology, templates, and internal documents remain our exclusive property.

8. Confidentiality and Data

We collect the personal and vehicle information you provide in order to prepare your appraisal. We do not sell your personal information, and we do not share or disclose it to third parties except as required by law or as necessary to deliver our services. We retain submission records for internal quality assurance and dispute resolution purposes; by submitting your intake form, you consent to this retention. Each submission is assigned a unique Case ID for tracking and reference. See our Privacy Policy for details on analytics and data handling.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VALUE RECLAIMED'S TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR OUR SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM.

VALUE RECLAIMED SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF ANTICIPATED INSURANCE RECOVERY, LOSS OF USE OF VEHICLE, OR ANY OTHER ECONOMIC LOSS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

This limitation applies regardless of the theory of liability, including breach of contract, negligence, or otherwise.

10. Indemnification

You agree to indemnify, defend, and hold harmless Value Reclaimed and its principals, agents, and representatives from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: your use of our services; any inaccurate or misleading information you provided; your violation of these Terms; or any claim by a third party arising from your use of our reports.

11. Dispute Resolution

In the event of a dispute arising from or relating to these Terms or our services, the parties agree to first attempt resolution through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration administered under applicable rules in the state where Value Reclaimed is domiciled. You waive any right to participate in a class action lawsuit or class-wide arbitration against Value Reclaimed.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which Value Reclaimed is registered, without regard to conflict of law provisions.

13. Modifications to Terms

We reserve the right to update or modify these Terms at any time. Updated Terms will be posted at valuereclaimed.com with a revised effective date. Your continued use of our services following any modification constitutes acceptance of the updated Terms. For services already in progress at the time of modification, the Terms in effect at the time of your submission shall govern.

14. Entire Agreement

These Terms, together with any engagement letter or scope of work issued in connection with your specific claim, constitute the entire agreement between you and Value Reclaimed with respect to our services and supersede all prior representations, understandings, and agreements, whether oral or written. If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

15. Contact

For questions about these Terms or your claim: [email protected] · valuereclaimed.com

Value Reclaimed is not a law firm and does not provide legal advice. This document does not create an attorney-client relationship.