^Unless of course the OP has stated value or replacement cost or fair market value etc etc.
OP is playing into the hands of the insurance company by not knowing his policy and seems to be blissfully ignorant to figuring that out. “That “ is what’s important and where the money is at now.
Trailer is done....it’s fooked. Gather your belongings out of it and wait for the correct settlement with insurance.
There’s about a 98% chance that the insurance first offer is lower than wha the max allowable by the policy is. Fortunately, some folks haven’t experienced how insurance companies worked nor had the “pleasure “ of negotiating with them.
Unfortunately, some folks haven’t had the experience or gained the knowledge about the importance of contracts and negotiations. And insurance companies LOVE these people!
OP
1. Learn what your policy is good for. Hire someone to interpret it or something, if you need to. Don’t guess.
2. If it’s at all based on replacement, YOU do the legwork. Find comparable new trailers, they exist, and get the TOTAL cost to have one sitting in your driveway.
3. Slow down around the corners! Lol.