This probably does not apply to motorhomes, but I have a close friend that owns a great body shop. He once told me insurance companies often total a vehicle because it cannot be economically repaired properly to still meet the original safety standards. He showed me where a cut, weld, brace or gusset in the wrong place may make for a cheap repair that cannot be detected once painted, but could fail in a crash, causing significant injury or worse. Injuries can be far more expensive to an insurance company than replacing a vehicle. He said this was like installing the cover over the airbag in your steering wheel, but not installing the airbag. My concern would be if the motor home had been wrecked, how much did the frame flex & twist and what did they have to do to get it back aligned. I would want to see before repair pics. Flood or water damage is an entirely different can of worms.