# SecondAppraisal Total-Loss Intake (remote · secondappraisal.com)

Submit a vehicle owner's total loss to SecondAppraisal; preliminary market read; state rules.

- Trust score: 66/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-29

> **Recent critical change**: Authorization (2026-09-24). See the changelog below before you install this server.

## Components

- remote · `secondappraisal.com`: 66/100 (this document), [markdown](https://verifymcp.io/servers/com-secondappraisal-total-loss-intake/secondappraisal.md), [page](https://verifymcp.io/servers/com-secondappraisal-total-loss-intake/secondappraisal)

## Channel facts

- Endpoint: `https://secondappraisal.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-09-29.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation check failed: no authorisation is required to call this server, and it exposes a tool marked destructive (submit_total_loss_intake).
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 67/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1005 tokens (~201/item across 5 items; 5 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 20/100
  - Stability observed for 6 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 93/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 78% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 5 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 6 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 60/100
  - Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28.

## Install

### How do I install the SecondAppraisal Total-Loss Intake MCP server?

SecondAppraisal Total-Loss Intake is a hosted endpoint at https://secondappraisal.com/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http com-secondappraisal-total-loss-intake 'https://secondappraisal.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-secondappraisal-total-loss-intake": {
      "url": "https://secondappraisal.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-secondappraisal-total-loss-intake": {
      "type": "http",
      "url": "https://secondappraisal.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-secondappraisal-total-loss-intake]
url = "https://secondappraisal.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-secondappraisal-total-loss-intake": {
      "type": "remote",
      "url": "https://secondappraisal.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-secondappraisal-total-loss-intake --url 'https://secondappraisal.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-secondappraisal-total-loss-intake:
    url: "https://secondappraisal.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-secondappraisal-total-loss-intake": {
      "Transport": "http",
      "Url": "https://secondappraisal.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-secondappraisal-total-loss-intake -t streamable-http -u 'https://secondappraisal.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-secondappraisal-total-loss-intake": {
      "type": "http",
      "url": "https://secondappraisal.com/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-09-29 (score 66, +1)

No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-28 (score 65, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-09-26 (score 65, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-25 (score 64, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-09-24 (score 64, −6)

- [critical regression] Authorization: partial → fail
- [security] Tool “submit_total_loss_intake” is now declared destructive
- [functional improvement] Stability: unverified → 0.03
- [functional] Server version: 1.0.0 → 1.0.1

### 2026-09-23 (score 70)

First indexed and scored.

## MCP tools (5)

### `submit_total_loss_intake` (~402 tokens)

Submit a total-loss situation

Submit a vehicle owner's total-loss situation to SecondAppraisal on their behalf. Minimum: one of customer.phone / customer.email, your `agent` self-identification, and a `consent.attestation`. Returns a receipt with `customer_confirmation_url` (one tap confirms), a relayable `customer_message`, an optional `preliminary` market read, `contact_policy` (we will email/text a welcome and a person will call to confirm the request came from the customer or their agent), and `pricing` — the consultation is free; if the owner wants more, Appraisal Research is $199 (paid up front, no guarantee) or Appraisal Research + Negotiation is $497 with a $25 discount for customers you send ($472; a card HOLD captured only after the settlement improves by $1,000+, otherwise nothing is charged). The $25 applies to representation only. You may quote `pricing` verbatim; payment always happens on our site by the customer's own click (`checkout` links appear once they have confirmed) — never collect card details. Read `customer_message` to the user verbatim.

Input parameters:

- `agent` (object, required): Who is calling. Required — an intake without self-identification is refused.
- `consent` (object, required): Consent basis. Attestation wording version 2026-09-16.1.
- `customer` (object, required): The vehicle owner. At least one of email / phone is required; everything else is optional.
- `external_ref` (string): Your reference id; echoed in every response.
- `idempotency_key` (string): Any unique string per logical submission; a replay returns the original receipt.
- `loss` (object): When and where the loss happened.
- `offer` (object): The insurer's position so far, if any.
- `vehicle` (object): The vehicle. A VIN (or plate + plate_state) is best; year/make/model works too.

### `get_intake_status` (~66 tokens)

Check an intake

Fetch the current receipt for a submitted intake (status, confirm link while still confirmable, preliminary).

Input parameters:

- `intake_id` (string, required): The `intake_id` from a previous submission.
- `poll_token` (string, required): The `poll_token` returned once on that submission.

### `upload_valuation_report` (~139 tokens)

Attach the insurer's valuation report

Attach the insurer's Market Valuation Report (CCC / Mitchell PDF) to a submitted intake. We parse it (vehicle, mileage, offer, insurer, loss date) and refresh the preliminary. Allow up to two minutes.

Input parameters:

- `file_base64` (string, required): The PDF bytes, base64-encoded (standard or URL-safe alphabet). Up to 15 MB decoded.
- `file_name` (string, required): Original file name, e.g. valuation-report.pdf.
- `intake_id` (string, required): The `intake_id` from a previous submission.
- `poll_token` (string, required): The `poll_token` returned once on that submission.

### `get_preliminary_estimate` (~156 tokens)

Preliminary market read

A no-commitment early market read for a vehicle: comparable listing prices near the customer (10th percentile / median / 90th), an odometer-adjusted mid, and the gap vs the insurer's offer. Not an appraisal. Nothing is stored about the customer.

Input parameters:

- `acv_offer_cents` (integer): Insurer's offer in cents, to report the gap.
- `make` (string, required)
- `model` (string, required)
- `odometer` (integer)
- `state` (string): Two-letter state; used when no zip is given.
- `trim` (string)
- `year` (integer, required)
- `zip` (string): Preferred; searches comparables near here.

### `get_state_total_loss_rules` (~74 tokens)

State total-loss rules

State-specific total-loss facts: threshold and method, whether an independent appraiser must be licensed there, whether third-party appraisals are allowed, statute citations, must-know rights, common pitfalls, and the consumer hotline.

Input parameters:

- `state` (string, required): Two-letter code (TX) or state name (Texas).

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-secondappraisal-total-loss-intake/secondappraisal#diagnostics

## Score history

- 2026-09-29: 66
- 2026-09-28: 65
- 2026-09-27: 65
- 2026-09-26: 65
- 2026-09-25: 64
- 2026-09-24: 64
- 2026-09-23: 70

## Common questions

### What is the SecondAppraisal Total-Loss Intake MCP server?

SecondAppraisal Total-Loss Intake is an MCP server listed in the public MCP registry as com.secondappraisal/total-loss-intake. Submit a vehicle owner's total loss to SecondAppraisal; preliminary market read; state rules. This page covers its hosted endpoint (https://secondappraisal.com/mcp).

### Is the SecondAppraisal Total-Loss Intake MCP server safe to use?

SecondAppraisal Total-Loss Intake scores 66 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the SecondAppraisal Total-Loss Intake MCP server expose?

SecondAppraisal Total-Loss Intake exposes 5 tools: submit_total_loss_intake, get_intake_status, upload_valuation_report, get_preliminary_estimate, get_state_total_loss_rules. Their descriptions and schemas cost roughly 837 tokens of context every time the server is loaded.

### Does the SecondAppraisal Total-Loss Intake MCP server require authentication?

No. We connected to SecondAppraisal Total-Loss Intake without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the SecondAppraisal Total-Loss Intake MCP server still maintained?

SecondAppraisal Total-Loss Intake is still listed as active in the MCP registry. We last reached this channel on 29 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://secondappraisal.com/mcp
- Website: https://secondappraisal.com/for-agents
- Changelog RSS feed: https://verifymcp.io/servers/com-secondappraisal-total-loss-intake/secondappraisal.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-secondappraisal-total-loss-intake/secondappraisal.json
- HTML version of this page: https://verifymcp.io/servers/com-secondappraisal-total-loss-intake/secondappraisal