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Total Loss Valuation Worksheet

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

Total Loss Valuation Worksheet

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

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 FMV Appraisal 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
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 three comparables are picked from the verified pool: "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

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"
    }
  }
}

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