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Auto Insurance Claims/Diminished Value Claim


My 2011 Camaro received approximately $12,000 worth of damage as a result of a recent hail storm.  My insurance company is paying for repairs.  Am I eligible for diminished value since this will definitely impact the trade in or re-sale value of my vehicle.  I live in Texas and my insurance is with State Farm.

In Texas, the majority of case law and policies say that you cannot recover diminished value from your own insurance company (unless it is under the uninsured / under-insured motorist portion).  

If another person or entity were responsible for your damages (other than GOD) then that person's policy would have to pay you for your diminished value, if you could prove it.

Hail damage would have to be covered under the comprehensive section and so it is almost certain that State Farm will deny coverage for inherent lost market value (most of the case law supports them).  I'm sorry I don't have a better answer.  These are the facts.  

There are many States other than Georgia (contrary to popular belief) where a carrier will pay first party diminished value claims, but Texas is not one of them.  If you would like more data on the subject of diminished value, we are authorities on the matter and you can surely find us on the web.  We'll be happy to answer any of your questions.  I hope this helps.

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Justin Petty


Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.


Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

NASP (National Association of Subrogation Professionals) (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author ( All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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