It's very hard to insurance total a trailer due to leaks. We were moving a fifth wheel after buying as dealer with dealer tags ect. The side ripped off. After 4 months of back in forth with insurance it finally was totaled. The rv repair centers could not match the gel coat fiberglass of the 2006 vintage. This unacceptable repair on $8600 estimate turned into a $15,600 total loss. Never titled or used. For 4 months we had $16,000 in cash tied into a destroyed in transit mess of a fifth wheel.