Ok, it's FINALLY over!!  Settled with the insurance company at $32,900.  So, I guess my husband & the NADA blue book values WERE right after all.  We get the check tomorrow via fed ex & will be looking for our next unit.  Right now, we're thinking of something much smaller.  We're looking at a 2019 Wolf Pup 18TO Black Label travel trailer & trading in my minivan for a Tahoe to pull it.  We have 16 year old twins who probably won't be much into going with mom & dad for too many more years so this will fit all 4 of us for now & then when they are "too cool" to come with us, it'll be really nice for the 2 of us too.