Total Loss Valuation Worksheet

The total-loss file: clean-title comparables, mileage adjustment, salvage or branded-title markdown, carrier-offer gap, branded Excel.

This is the technical reference. For the price, a rendered sample and answers to common questions, see the Total Loss Valuation Worksheet product page.

The total-loss file: clean-title comparables, mileage adjustment, salvage or branded-title markdown, carrier-offer gap, branded Excel.

At a glance


Price	$4.99 per run.
Tool name	`generate_total_loss_valuation_worksheet`
Scope	`reports:total-loss-valuation-worksheet`
Built for	Independent Appraiser, Insurance Adjuster, Public Adjuster, Claims Attorney

What it does

The appraiser's total-loss valuation worksheet. Selects ~3 like-for-like ACTIVE clean-title comparables (configuration-matched via the VIN pattern, mileage-banded to the subject odometer, each with a match % and an installed-options similarity %), averages their advertised prices, applies a per-mile mileage adjustment to reach ACV, adds the preparer's itemized additions and deductions, and compares the result against the insurance carrier's settlement offer. Ships a branded, shareable Excel worksheet and a hosted page the preparer can drive. BRANDED TITLES: when the loss vehicle carries a salvage, rebuilt, flood, or lemon-law title, set title_brand. The vehicle is valued from CLEAN-title comparables (standard appraisal practice) and the brand is then taken off the comp-derived ACV as a percentage, before the preparer's additions and deductions, so documented receipts keep their full value. The markdown defaults to 25% and is the preparer's to set: title_brand_markdown_pct on the run, or edited directly on the hosted worksheet afterwards. The per-mile rate is editable the same way. Use when a carrier has totaled a vehicle and the preparer is building the file or arguing the offer up. For a general-purpose appraisal with no total-loss framing use the ACV (Actual Cash Value) Worksheet; for an automated ACV estimate with a confidence band and no preparer certification use the Total Loss Report.

Arguments

Argument		What it is	Example
`vin`	Required	17-character vehicle identification number.	`3GNAXUEG2RS216393`
`miles`	Recommended	Odometer reading at the time of the loss. STRONGLY RECOMMENDED, it drives the mileage adjustment and the comparable mileage band.	`41058`
`zip`	Recommended	ZIP code of the loss market. STRONGLY RECOMMENDED, defaults to 90210 if missing.	`48120`
`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`
`title_brand`	Recommended	Title status of the loss vehicle: "clean" (default), "salvage", "rebuilt", "flood", or "lemon". Anything other than clean values the vehicle from clean-title comparables and then applies the title-brand markdown.	`salvage`
`insurer_offer_usd`	Recommended	The insurance carrier's settlement offer. The worksheet shows the settlement total minus this offer, with wording that only supports arguing the offer up when the selected comparables back it.	`13033`
`comp_strategy`	Optional	How the comparables are picked from the verified pool (three by default, or four when the preparer chooses a 4-comparable worksheet on the hosted page): "defensible" (default) takes the closest configuration and mileage matches; "maximum" takes the highest mileage-adjusted comparables, which supports the strongest position against the carrier but invites a days-on-market challenge. Both draw from the same verified pool.	`defensible`
`title_brand_markdown_pct`	Optional	Percentage taken off the comp-derived ACV for a branded title. Defaults to 25. The preparer can also change this on the hosted worksheet after the run, and the Excel follows.	`25`
`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 after the run.	`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" (e.g. "OEM motor replaced 4/2022, 1650" or "Prior unrepaired damage, -200"). Applied after the title-brand markdown, so receipts keep their full value.	`OEM motor replaced 4/2022, 1650`
`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 valuation 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 clean-title 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
Settlement math: average of selected asks, mileage adjustment at an editable per-mile rate, ACV, title-brand markdown, additions/deductions, total pre-tax
Title-brand markdown taken off the comp-derived ACV, 25% by default and editable, applied before your adjustments so documented receipts keep their full value
Gap between the settlement total and 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 a total loss worksheet for VIN 3GNAXUEG2RS216393, 41,058 miles, ZIP 48120. Salvage title, the carrier offered $13,033.

My truck was totaled and the title is rebuilt. VIN 3C63R5SL3TG153504, 13,214 miles, ZIP 48124. Is the $21,500 offer fair?

Running it from a backend

Grant an agent the reports:total-loss-valuation-worksheet scope, then call the tool over MCP:

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

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