State Farm lowballed the actual cash value on our 2020 Ford F-250 Super Duty XLT crew cab total loss in Boulder County, Colorado by offering $38,400 on a truck that was replaced at a comparable dealer six weeks later for $47,900, using CCC ONE market comparables that included two salvage-branded titles, three trucks from Kansas and Oklahoma that were not comparable to the Colorado market, negative condition adjustments totaling $2,900 for "average" condition on a truck with documented dealer maintenance and 62,000 miles, and no valuation credit for the $4,200 aftermarket contractor bed, the $1,800 tool box package, or the $2,300 heavy-duty suspension upgrade that were all installed by a licensed upfitter and documented with the receipts included in our claim submission. Forced $9,340 additional recovery plus $1,320 in sales tax and $180 in title and registration fees using the CCC ONE comparables audit, the Colorado unfair claims settlement statute (10-3-1104), the salvage retention election under 10-4-635, the aftermarket equipment valuation guideline under Colorado Division of Insurance Bulletin B-5.26, and a written demand for de novo appraisal under the policy's appraisal clause. the complete 11-week playbook from initial ACV offer to final settlement with the comparables audit chapter fully written out for Colorado (and any state) total loss policyholders sitting on a lowball ACV offer right now.
i am a 46-year-old residential remodeling contractor in Longmont, Colorado, my wife and i have run our own crew for 14 years across Boulder and Weld counties, and our work truck is the single most...