Get a certified, independent valuation to challenge low insurance offers and secure the payout you truly deserve.
When insurance companies undervalue your vehicle, you need someone on your side. We provide independent, certified auto appraisals that are based on real Portland market data—not automated formulas or insurance estimates. Our goal is simple: make sure you receive the compensation you genuinely deserve.
Specialists in total loss and diminished value.
We work for you, never the insurance company.
Accepted by insurers, attorneys, and courts.
Here’s a clean, Portland-focused rewrite:
Our licensed Portland auto appraisers provide accurate total loss valuations for cars, trucks, SUVs, and specialty vehicles throughout the region. Most clients receive their report within 2 weeks, and many recover $4,000–$6,000 more than the insurance company’s final offer.
With a flat $550 upfront fee and fully USPAP-compliant reports, we offer transparent, dependable service trusted across Oregon. Whether you drive a daily commuter, luxury vehicle, classic car, or a modified build, we’ll help you secure the maximum settlement you’re entitled to.
Call 971-666-1646 to begin your Portland total loss appraisal today.
We’ll review your insurance offer and determine if a total loss appraisal is needed, saving you time and money. Call us today at 971-666-1646.
If the claim review shows your vehicle is worth more than the insurer’s offer, order a flat-rate $550 desk appraisal. Payment is collected upfront, with no percentages or hidden fees.
For classic, specialty, antique, or uniquely equipped vehicles, a field inspection ensures all options and accessories are properly valued.
In some cases, we negotiate directly with the insurer if they assign their own appraiser, ensuring you receive a fair settlement.
Start by requesting a Free Claim Review. I’ll evaluate the insurance company’s valuation and let you know whether the offer appears fair or if your vehicle is likely being undervalued. Most reviews are completed within just a few hours.
If the insurer’s valuation appears too low, I may recommend invoking the appraisal clause in your policy. If you choose to proceed, I’ll provide a formal Letter of Representation along with clear, step-by-step instructions on what to do next.
Once the appraisal clause is invoked, I take over completely. I will prepare a USPAP-compliant report, communicate with the insurer’s appraiser, negotiate for a fair valuation, coordinate the umpire process if needed, and keep you updated. My mission is to secure the strongest possible settlement for you.
Flat fee of $550, covering the full USPAP appraisal, all representation and negotiation, communication with the insurer’s appraiser, and umpire coordination if required. No percentage fees, hidden costs, or surprises.
If I take your case and the appraisal clause process does not increase your settlement by at least $1,000, I will issue a full refund of the $550 fee. This ensures zero financial risk in hiring Total Loss NW.
Most cases are completed within 1–3 weeks. Once both appraisers connect, the process usually moves quickly, and needing an umpire is uncommon.
Discover why Portland drivers trust us for fair, accurate, and independent vehicle appraisals that help them win better insurance settlements.
Leslie Edson WattsTrustindex verifies that the original source of the review is Google. So thankful to work with Nico! He was very responsive with all calls even when his wife was in labor! State Farm wanted to pay $8900 for our 1995 Dodge Ram with a newer engine. Given the age of the truck, there were no comparisons on car lots as the insurance company requested. Nico totally took care of all the legal stuff. He works with multiple insurance claim adjusters. He texted me this morning that he got $15,000 for the truck but said he would try to get more! End of the day, we ended up with a payout of $17,206.50. Nico's fee was a flat $550, not a percentage of the value! He told me if he didn't get more than the proposed insurance payout, I would get the fee back!!! Very pleased customer!! JasonTrustindex verifies that the original source of the review is Google. Great company to work with on my diminished value claim. Super knowledgeable, friendly, and prompt communication. Big plus that it is a family-owned business, highly recommend them! Melanie MTrustindex verifies that the original source of the review is Google. After getting the run-around from both USAA and State Farm undervaluing our total loss /no fault insurance claim. Nico and Total Loss helped us promptly navigate a much better settlement. Don’t hesitate to use their services for an auto appraisal. Recommend! albert amsifuTrustindex verifies that the original source of the review is Google. Highly Recommend – Expert Appraiser Who Fights for You I hired Nic for a private appraisal after my insurance company offered a shockingly low payout for my vehicle. From the moment I sent him my paperwork, he didn’t hesitate, he immediately flagged that they were undervaluing my car and said, “They’re trying to rob you.” That level of honesty and confidence was exactly what I needed. What really stood out was Nico’s integrity: he promised that if he couldn’t raise the value, he’d refund me the cost of his services. That kind of guarantee speaks volumes about his professionalism and confidence in his work. Sure enough, after going back and forth with my insurance for a week, Nico stepped in and got the value of my car significantly increased. He knows exactly what he’s doing, and he doesn’t waste time. If you’re dealing with an insurance lowball and need someone who will advocate for you with skill and conviction, Nico is the one to call. Elaina BrumfielTrustindex verifies that the original source of the review is Google. HIGHLY RECOMMEND! Nico was very prompt and helped me get a higher settlement amount. Communication was awesome and helped put my mind to ease. Thank you again! Amanda BondurantTrustindex verifies that the original source of the review is Google. Nico was very efficient and thorough. Great communication! B SchmelingTrustindex verifies that the original source of the review is Google. Worked with Nico recently on getting an appraisal for a classic car of my dad’s (who recently passed away). Given the tough situation my family is in, Nico was prompt, thoughtful, with good communication and delivered a thorough product. We’ve been working with a lot of different types of appraisers (some better than others) and Nico was wonderful to work with — Definitely recommend him! Gloria LockeyTrustindex verifies that the original source of the review is Google. I loved working with Nico!! He was upfront and straight from the beginning. He knows his stuff and what he said was exactly what happened. He said " I am good at what I do" I couldn't disagree more we prevailed on my claim. Tania LittleTrustindex verifies that the original source of the review is Google. I had no idea how to make a claim for diminished value against the at-fault driver's insurance company, and the whole process felt confusing. One appraiser even told me I wouldn’t get anything because the damage was minimal and my car (a 2018 with 71k miles) was “too old.” Online sources made it sound like insurance companies use formulas to lowball you, so I was ready to give up. Then I found Nico Nix, founder of Total Loss Northwest, and everything changed. Nico was honest, professional, and incredibly knowledgeable. He offered a flat fee and explained how he could potentially get me much more than I was being led to believe. I took a chance—and I’m so glad I did. He did NOT disappoint. The report Nico prepared was customized specifically for my car and situation. It included his full list of qualifications, and he walked me through exactly what to do step by step. I felt supported and informed the entire time. While I still hate that my car now has an accident on its Carfax, getting money back for the diminished value made a huge difference. I feel like someone finally fought for me. Total Loss Northwest is the BEST! Talk to Nico!!!Google rating score: 5.0 of 5, based on 9 reviewsVerified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Total Loss Northwest is led by independent appraiser Nico Nix, who comes from a family deeply rooted in the auto appraisal industry. With years of experience and a genuine passion for cars, Nico provides honest, accurate valuations to help drivers get the compensation they deserve. Appraisal work isn’t just his career—it’s a family tradition.
Independent, certified appraisers providing accurate total loss valuations for Portland drivers.
Data-backed reports to ensure your car’s true value is recognized in insurance claims.
Quick turnaround on appraisals without compromising quality or detail.
Guiding you through every step of the vehicle appraisal and insurance dispute process.
We offer certified, data-driven vehicle appraisals for Portland drivers after accidents or insurance disputes. Our experts ensure you receive a fair and accurate valuation backed by real market data.