It would be nice to try to get back all that you have in to the coach but items like a new roof, and other needed repairs, are usually not counted in the valuation. These are repair items.
Don't forget to ask about and add the personal belongings that you had in your coach. My policy includes $5000 for my personal items in the coach.
You may want to check with your bank and see what they say the loan value is of your coach. Since they don't loan 100% you will have to add the value they give you plus the down payment difference to find your total value.