Repairable claims can become disputed when the insurer's estimate does not match the repair procedure, supplement need, or documented damage.
What to do next
- Gather the original estimate, supplements, denial notes, repair photos, and shop documentation.
- Identify the exact operations, parts, or procedures in dispute.
- Review policy language before choosing the appraisal path.
- Keep the vehicle owner, shop, and appraiser working from one clean file.
Keep the file organized
If the claim needs a formal review, keep valuation reports, estimates, supplements, photos, and policy documents together before moving the file into Folder Co.