FMV Appraisal Worksheet

The appraiser's FMV/ACV worksheet: hand-picked comparables, mileage adjustment, insurer-offer comparison, branded Excel.

FMV Appraisal Worksheet

The appraiser's FMV/ACV worksheet: hand-picked comparables, mileage adjustment, insurer-offer comparison, branded Excel.

At a glance


Price	$4.99 per run.
Tool name	`generate_fmv_appraisal_worksheet`
Scope	`reports:fmv-appraisal-worksheet`
Built for	Independent Appraiser

What it does

The auto-appraiser workflow as a report: selects ~3 like-for-like ACTIVE comparables (configuration-matched via the VIN pattern, mileage-banded within 5% of the subject odometer where possible, with a match % AND an installed-options similarity % per comparable), averages their advertised prices, applies a per-mile mileage adjustment to reach the ACV (advertised-price basis; dealer asks generally exclude add-on and documentation fees), adds the preparer's itemized additions/deductions to reach TOTAL FMV pre-tax, and compares it against the insurance carrier's offer. Ships with a branded, shareable Excel worksheet, and the hosted page lets the preparer re-select comparables interactively (the worksheet and the Excel download follow the selection). Use for total-loss and diminished-value negotiations, client-facing appraisal worksheets, and any case where the preparer needs to certify a value from hand-picked comparables. For a full market valuation with trend, channels, history, and CPO analysis, use the Vehicle Valuation Report instead.

Arguments

Argument		What it is	Example
`vin`	Required	17-character vehicle identification number.	`3GNAXYEX1KS562965`
`miles`	Recommended	Current odometer reading. STRONGLY RECOMMENDED, it drives the mileage adjustment and the comparable mileage band.	`41500`
`zip`	Recommended	ZIP code of the loss/appraisal market. STRONGLY RECOMMENDED, defaults to 90210 if missing.	`48124`
`insurer_offer_usd`	Optional	The insurance carrier's settlement offer. The worksheet shows TOTAL FMV minus this offer, with wording that only supports arguing the offer up when the selected comparables back it.	`16000`
`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 (the common appraisal-template rate).	`0.06`
`select_comps`	Optional	Pin exactly which comparables the worksheet averages (comma or newline separated VINs, typically 3). Default: the top 3 by match score. Each comparable shows a match % and an installed-options similarity % to guide the selection.
`exclude_vins`	Optional	Comparables to EXCLUDE (comma or newline separated VINs).
`adjustments`	Optional	Itemized additions/deductions, one per line as "label, +/-amount" (e.g. "Aftermarket tow package, 350" or "Prior unrepaired damage, -200"). Applied over the ACV to reach TOTAL FMV.	`Aftermarket tow package, 350`
`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 appraisal is produced for. Renders as "Prepared for " on the report and the Excel.	`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

Nearest matching comps with match %, options similarity %, and distance per comp
Every comp price verified on the dealer page (doc and dealer fees excluded), with a full-page evidence snapshot
Interactive selection plus an excluded-comps tab: the worksheet recalculates live and your changes save
FMV math: average of selected asks, mileage adjustment with a market-implied rate suggestion, ACV, additions/deductions, TOTAL FMV pre-tax
Market value difference from the insurance carrier offer
Branded Excel export and a locked read-only copy to hand the consumer

Asking for it in a chat client

Build an FMV worksheet for VIN 3GNAXYEX1KS562965, 41,500 miles, ZIP 48124. The insurer offered $16,000.

The carrier offered $21,500 on my totaled truck, VIN 3C63R5SL3TG153504, 13,214 miles, ZIP 48124. Is that fair? Prepare the worksheet.

Running it from a backend

Grant an agent the reports:fmv-appraisal-worksheet scope, then call the tool over MCP:

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "generate_fmv_appraisal_worksheet",
    "arguments": {
      "vin": "3GNAXYEX1KS562965"
    }
  }
}

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