See it before you buy it
What the documents actually look like
Nothing is hidden behind the paywall. These are the real generated documents for a worked claim, rendered by exactly the same code that produces a customer's, so what you see here is what you get.
Last reviewed 2026-07-28
Demand letter
1 page
Addressed to the at-fault insurer with your claim number, the legal basis in your state, one figure and one deadline. Ready to sign and send.
Open the sampleValuation report
3 pages
The supporting exhibit: your vehicle, the loss and repair facts, the full method, every factor with its rationale, the comparable-listing analysis, and a section taking the insurer’s 17c formula apart.
Open the sampleEscalation kit
3 pages
Premium tier. Your negotiation thresholds, a rebuttal letter for the second round, the regulator complaint guide for your state, and a small-claims walkthrough.
Open the sampleThe samples are built from a fictional claim, a 2022 Toyota Highlander with a $9,180 structural repair on a $32,400 vehicle, producing a supported figure of $6,025. We chose a middling, ordinary claim rather than a flattering one, because that is closer to what the calculator actually sees. No real customer data appears in them.
The valuation report
Eight sections, in the order an adjuster reads them
The report is written for the adjuster, not for you. Its job is to be difficult to dismiss.
- 1
Summary of conclusions
The conservative, supported and upper figures, the loss as a percentage of pre-accident value, and the gap against what the insurer’s formula produces.
- 2
Subject vehicle
Year, make, model, trim, body style, odometer, pre-accident condition, prior damage history, and the sourced pre-loss market value.
- 3
The loss and the repair
Date of loss, jurisdiction, liability position, damage severity and areas, structural repair, airbag deployment, repair cost, parts used, finished quality, and history-report visibility.
- 4
Methodology
What the method measures, why the loss curve saturates rather than scaling linearly with repair cost, and the ceiling applied to the result.
- 5
Calculation
Every step as a table: the pre-loss value, the base loss rate and where it came from, then each factor with its multiplier and a plain-English basis. This is the section that makes an adjuster engage.
- 6
Analysis of the 17c formula
What their formula produces on your facts, the arithmetic behind it, and a numbered rebuttal, the 10% cap, the mileage double-count, and the compounding of fractions.
- 7
Basis of recovery in your state
The leading case or statute, the limitation period with its citation and your actual deadline date, the small claims limit, and the first-party position.
- 8
Basis, limitations and disclaimer
Stated plainly: this is not a licensed appraisal, the vehicle was not inspected, and the figure is an estimate rather than a guaranteed recovery. A report that overclaims is easy to discredit.
What makes a report an adjuster will engage with
An adjuster is not looking for a bigger number. They are looking for a reason to change the one already in their file, and the reason has to be something they can put in a note to their supervisor.
That means three things, and generic reports miss all three.
- The method is stated and the math is shown. Every factor in section 5 has a multiplier and a written basis, so the conclusion can be checked and argued with on the merits rather than accepted or refused wholesale.
- It answers their formula specifically. Section 6 computes 17c on your own facts and takes it apart line by line. An adjuster who cannot defend their own number in writing usually moves.
- It states its limitations. Section 8 says plainly that this is not a licensed appraisal and that the vehicle was not inspected. A report that overclaims is discredited in one sentence, and discrediting the report discredits the whole demand.
What it is not
It is not a licensed appraisal, and we do not describe it as one. If your insurer requires an appraisal, or your claim is large or headed to court, an independent appraiser is the right purchase and we explain when that applies rather than pretending otherwise.
It is also not a guarantee. Insurers negotiate. Most settlements land between the conservative and supported figures the report states, which is why it gives you both and tells you where to stop.
Pricing
What it costs
Claim Packet
Most popularEverything you need to file and get paid.
$49one-time
An appraiser charges $200–$400 for a comparable report.
- Full itemized valuation report (PDF)
- Tailored demand letter addressed to the at-fault insurer
- Comparable-listing worksheet with mileage & trim adjustments
- Line-by-line rebuttal of the insurer’s 17c formula
- State-specific legal basis and filing deadline
- Certified-mail instructions and a follow-up schedule
- Unlimited re-downloads for 180 days
You only pay after you see your number.
Claim Packet + Escalation Kit
For when the adjuster says no the first time.
$79one-time
An appraiser charges $200–$400 for a comparable report.
- Everything in the Claim Packet
- Second-round escalation letter (rejection rebuttal)
- Department of Insurance complaint guide, with your state’s regulator and filing link
- Small-claims filing guide with your court’s limit and where to file
- Appraisal-clause invocation letter for your own collision carrier
- Negotiation script with counter-offer decision thresholds
You only pay after you see your number.
FAQ
About the documents
What exactly do I get for my money?
A tailored valuation report and a demand letter, both as PDFs you can print or email. The report shows the full calculation for your specific vehicle, the comparable listings you supplied, and a line-by-line rebuttal of the insurer’s 17c formula. The demand letter is addressed to the at-fault insurer, cites your state’s legal basis, and states the amount and the deadline. You also get certified-mail instructions and a follow-up schedule.
How is this different from a free diminished value calculator?
Free calculators give you a number and stop. A number on a website is not something an adjuster will pay against. What gets a claim paid is a documented valuation with the method shown, comparable listings supporting it, a rebuttal of the formula the insurer will use, and a professional demand letter citing your state’s legal basis. That is the whole packet, and it is what the free tools do not produce.
How is this different from paying an appraiser $200–400?
An appraiser produces a licensed appraisal, which carries more weight and is occasionally required. Recoupe produces a documented market-based estimate and the demand letter to go with it, for a fraction of the cost and in minutes rather than days. For a routine claim on a repaired vehicle, the packet is usually enough. If your state or your insurer requires a licensed appraisal, we tell you that and point you to an appraiser rather than pretending we replace one.
Is the number guaranteed? Will the insurer definitely pay it?
No, and anyone promising otherwise is misleading you. Our figure is a supported negotiating estimate built on a documented method. Insurers negotiate, and most settlements land between our conservative figure and our supported figure. What the packet does is move the starting point away from the insurer’s formula and give you evidence to argue from.
Do I need an account?
No. Run the calculator, buy the packet, download it. We email you a private link so you can come back to it for 180 days. You can create an account afterwards if you want to keep your claims together, but nothing requires it.
What if the insurer rejects my claim?
That is common on a first pass and it is not the end of the claim. The Escalation Kit adds a rejection-rebuttal letter, a Department of Insurance complaint template pre-filled for your state, a small-claims filing guide with your court’s limit, and a negotiation script with counter-offer thresholds. You can add it at any time.
Can I get a refund?
Yes. If the packet is not what you expected, email us within 30 days and we will refund it, no argument, no form to fill in. We would rather refund you than have you feel you were sold a template.
See your own numbers first
The calculator is free and shows you the figure before you decide anything.