Third-Party DV Recoverable
80%
4 years for property damage
Available — Florida Statute 627.7015 mediation also available
Total Loss Claims in Florida
Threshold: 80%
Vehicle is totaled when repair costs exceed 80% of ACV
Florida Statute 627.7015 provides free mediation for disputes
Large vehicle market provides excellent comparable sales data
Hurricane damage claims are common — proper ACV determination is critical
Independent appraisal often recovers thousands more than initial offer
Florida's 80% threshold means your vehicle is declared a total loss when repair costs reach 80% of its actual cash value. With Florida's large vehicle market, there is abundant comparable sales data available to support a higher ACV through independent appraisal.
Diminished Value in Florida
Third-Party DV Recoverable
Siegle v. Progressive established DV rights in Florida
First-party DV generally excluded unless policy states otherwise
Third-party claims fully supported
Free mediation program available under Florida Statute 627.7015
Florida is a friendly state for third-party diminished value claimants. The landmark case Siegle v. Progressive Consumers Insurance Co. (2001) established that diminished value is recoverable. However, the court drew a clear line — first-party DV claims are generally excluded unless your policy specifically includes this coverage.
Body Shop Appraisals in Florida
Right to Appraisal (RTA) for Repair Disputes
Florida has one of the largest vehicle markets in the nation
Hurricane and flood damage claims are common — proper documentation is essential
Body shops can help customers invoke the appraisal clause for underpaid repairs
OEM parts and ADAS calibration are critical for Florida's modern vehicle fleet
Free mediation under FL Statute 627.7015 is an additional consumer protection
Florida body shops face unique challenges including hurricane damage, salt air corrosion, and intense UV exposure. Proper repair procedures and OEM parts are essential for vehicle safety and longevity in Florida's climate.
Cities & Towns We Serve in Florida
Hyper-local auto damage appraisal services across Florida
National Appraisers provides total loss appraisals, diminished value claims, and body shop Right to Appraisal (RTA) services throughout Florida. Click on any city below for location-specific information.
Miami
Miami-Dade County
Orlando
Orange County
Tampa
Hillsborough County
Jacksonville
Duval County
Fort Myers
Lee County
West Palm Beach
Palm Beach County
Tallahassee
Leon County
Pensacola
Escambia County
Gainesville
Alachua County
Sarasota
Sarasota County
Daytona Beach
Volusia County
Ocala
Marion County
Boynton Beach
Palm Beach County
Delray Beach
Palm Beach County
Lake Worth Beach
Palm Beach County
Jupiter
Palm Beach County
Boca Raton
Palm Beach County
Lantana
Palm Beach County
Palm Beach Gardens
Palm Beach County