Tornado

Can't emphasize DOCUMENTING and TAKING many PICS of EVERYTHING inside and outside enough!!!

Totaled our Keystone High Country a year ago on South I-75. AAA insurance gave us book value. But they wouldn't give us the 6% sales tax or $200 license fee we paid just 8 months before.
Seems in Michigan we pay $200 license fee that's good forever but only for that particular trailer (non-transferable)...

Fight hard , dont take their first offer .

Thanks everyone for the help. Adjuster was out Saturday and videoed all the damage. Told us it was totaled. Should hear something today. He said they would want my purchase paperwork and I balked at that. I really don't think it's their business what I paid for it. I found the original spec sheet (window sticker) with all the optional equipment and it's pricing. It also included base price and suggested retail, which we didn't pay close to either. This is the only documentation I'm going to provide as far as paperwork with pricing. We had over $4000 in options on this trailer.

Turns out I had full replacement coverage. Looked through my policy and didn't see it, but they say I have it. Not losing a dime on it. Thanks again for the help. Time to shop for another one!!

By the way, Allied/Nationwide is who I had the coverage with and they have been wonderful to work with. Adjuster on site within a couple days, great communication with corporate adjuster and Loss Division called as soon as my claim was sent over to them. Would highly recommend. BIL's home and barns got hit during the storm two weeks ago Monday. State Farm Insurance still has not had an adjuster out to look at the property of someone who has been with them for 25 years.

Great news! Glad to hear it. Sorry you have to deal with it all but, as you know, it could have been much, much worse. Have fun shopping!

Does "full replacement" mean what you paid or what a new one costs today? I would imagine a new one would be more than you paid.

State Farm may just have many more claims to process than your insurance company does.

Progressive has a nice RV package that gives you your initial TT cost plus Feds and taxes if it's totaled in the first 10 years. Also has travel protection and trip interruption and TT towing. I pay $325 a year for a 2015 TT.