ACV (Actual Cash Value) Worksheet

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

This is the technical reference. For the price, a rendered sample and answers to common questions, see the ACV (Actual Cash Value) Worksheet product page.

The appraiser's 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, Public Adjuster, Claims Attorney

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 ACV 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`
`comp_count`	Required	3 Comp Report or 4 Comp Report: how many comparables the worksheet selects and averages by default (3 unless you choose 4). The page shows both sizes as positions so you can compare them, and you can switch after the run.	`3`
`radius_miles`	Recommended	How far from the ZIP to look for comparables. National (the default) starts at 25 miles and widens automatically (50, 100, 250, 500, 1,000 miles, then nationwide) only while the pool is thin. Choose a radius to keep the search inside it: the report then states that radius and never widens.	`national`
`model_years`	Optional	Model years the comparables may come from, for a series that carried identical specs across years when the subject year alone is thin: a range like 2019-2021 or a list like 2019, 2020, 2021. Make, model, trim, drivetrain and engine matching are unchanged. Leave blank to use the decoded model year only.	`2019-2021`
`insurer_offer_usd`	Optional	The insurance carrier's settlement offer. The worksheet shows TOTAL ACV 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 ACV.	`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
ACV math: average of selected asks, mileage adjustment with a market-implied rate suggestion, ACV, additions/deductions, TOTAL ACV 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 ACV 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",
      "comp_count": "3"
    }
  }
}

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