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Diminished Value Worksheet

Post-repair loss in value, argued from comparables the appraiser picks, by 17c or by percentage.

Diminished Value Worksheet

Post-repair loss in value, argued from comparables the appraiser picks, by 17c or by percentage.

At a glance
Price $5.99 per run.
Tool name generate_diminished_value_worksheet
Scope reports:diminished-value-worksheet
Built for Independent Appraiser

What it does

The appraiser's diminished value worksheet. Pre-loss value is built from ~3 like-for-like ACTIVE comparables (configuration-matched via the VIN pattern, mileage-banded to the subject odometer, each with a match % and an installed-options similarity %, every price read off the dealer's own page with a timestamped evidence snapshot), mileage-adjusted to the subject. The loss in value is then taken off that comp-derived figure. Ships a branded, shareable Excel and a hosted page the preparer drives. TWO METHODS, switchable on the page: "17c" applies the formula carriers and several state courts expect (a 10% cap on pre-loss value, scaled by a damage multiplier and a mileage multiplier, all three editable). "percent" takes a straight percentage of the comp-derived pre-loss value, for appraisers who consider 17c an undervaluation and would rather argue the loss from the comparables. Note that 17c yields ZERO above 100,000 miles by construction; the worksheet says so plainly and the preparer can override the multiplier or switch methods. Use when a repaired vehicle has lost resale value and the preparer is building the file. This supersedes the Diminished Value Report for appraisers: the report anchors pre-loss value on a model prediction the preparer cannot move, whereas this worksheet derives it from comparables they select.

Arguments

Argument What it is Example
vin Required 17-character vehicle identification number. 3GNAXUEG2RS216393
miles Recommended Current odometer. STRONGLY RECOMMENDED: it drives the comparable mileage band AND the 17c mileage multiplier, which falls to zero above 100,000 miles. 41058
zip Recommended ZIP code of the subject market. STRONGLY RECOMMENDED, defaults to 90210 if missing. 48120
dv_severity Recommended Damage severity, which sets the 17c damage multiplier: "none" (0.00), "minor" (0.25), "moderate" (0.50, default), "major" (0.75), "severe" (1.00). moderate
dv_method Optional Basis for the loss: "17c" (default) applies the capped formula with damage and mileage multipliers; "percent" takes a straight percentage of the comp-derived pre-loss value. Switchable on the hosted worksheet after the run. 17c
dv_pct Optional Percentage of pre-loss value taken as diminished value under the "percent" method. Defaults to 12. Editable on the hosted worksheet. 12
dv_base_cap_pct Optional The 17c cap on pre-loss value before the multipliers. Defaults to 10. Editable on the hosted worksheet. 10
dv_severity_multiplier Optional Override the 17c damage multiplier directly (0 to 1) instead of deriving it from dv_severity. 0.75
dv_mileage_multiplier Optional Override the 17c mileage multiplier (0 to 1). Use this when the standard ladder zeroes a file you can support from the market, and say so in the certification. 0.4
accident_date Optional Date of the loss, for the file header. 2026-03-14
repair_cost_usd Optional Documented repair cost, shown alongside the loss in value for context. 6400
comp_strategy Optional How the comparables are picked from the verified pool: "defensible" (default) takes the closest configuration and mileage matches; "maximum" takes the highest mileage-adjusted comparables. Both draw from the same verified pool. defensible
mileage_cost_per_mile Optional Per-mile rate for the mileage adjustment between the selected comps' average odometer and the subject's. Defaults to 0.06. Editable on the hosted worksheet. 0.12
select_comps Optional Pin exactly which comparables the worksheet averages (comma or newline separated VINs, typically 3). Default: the top 3 by match score.
exclude_vins Optional Comparables to EXCLUDE (comma or newline separated VINs). They are dropped from every pool and listed as considered and rejected.
adjustments Optional Itemized additions and deductions, one per line as "label, +/-amount".
appraiser_name Optional Appraiser or preparer name for the certification block and the branded Excel. Defaults from the appraisal profile in account settings. Jane Smith, ASA
appraiser_license Optional License or credential shown with the preparer name. MI-4417
client_name Optional Client the worksheet is prepared for. Sample Client
consumer_name Optional The consumer (your customer) this worksheet is produced for. Renders as "Prepared for ". John Q. Public
consumer_address Optional Consumer address for the report header. 123 Main St, Madison Heights, MI
consumer_phone Optional Consumer phone for the report header. (248) 555-0142
file_number Optional Claim / file reference number. Leave blank to auto-assign from your account's series. CLM-2026-0142

What comes back

Asking for it in a chat client

Build a diminished value worksheet for VIN 4T3R6RFV7MU015349, 42,800 miles, ZIP 60601, moderate damage, repairs were $6,400.

My car was repaired after a structural hit and is worth less now. VIN 3GNAXUEG2RS216393, 41,058 miles, ZIP 48120. Use a straight 15% rather than 17c.

Running it from a backend

Grant an agent the reports:diminished-value-worksheet scope, then call the tool over MCP:

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "generate_diminished_value_worksheet",
    "arguments": {
      "vin": "3GNAXUEG2RS216393"
    }
  }
}

See Server-side access for the token exchange and how to read the response.