NADA Values for RV's are the bain of many an owner following an accident. For example, a (molded fiberglass) 1992 Toyota Sunrader has an NADA value of about $4500, but try to buy one for less than $10,000, and top condition examples have sold for $18,000 in the past year. Here's what I do with my ins. co.
1. I make a "Declared Value" and pay slightly more for coverage. NOTE: Making a declared value of $30,000 on a $15,000 rig will not get you $30,000 if it is totaled. The declared value is for payment "Up To" that value for a comparable rig.
2. On a regular basis I print out ads for similar rigs and keep them with my ins papers.
3. I keep all receipts for repairs and modifications made.
4. Keep a file of recent pictures of the rig, showing all updates and recent repairs.
5. And make sure your tires
are less than 6 years old. (I just wanted to slip that in there).
My first wife worked in claims for Allstate for many years and provided these tips.....