Abstract: A system and method for assessing and recovering inherent diminished value of a vehicle involved in a property loss incident is provided. Inherent diminished value refers to the loss in value of a vehicle that remains after it is completely and professionally repaired. It is the loss of value that results from the simple fact that the vehicle has been in an accident. This type of diminished value is also known as “stigma damage.” The system and method may include obtaining vehicle history data for the vehicle from a computerized vehicle history database based on the vehicle's vehicle identification number (VIN). Based on the vehicle history data, it is determined whether the vehicle has been in an accident resulting in property damage to the vehicle. If it has been determined that the vehicle was involved in a property loss incident, a crash report (i.e. police report) for the vehicle is obtained to determine if a qualified loss has occurred.