Total Loss vs Repairable: Knowing the Difference
A total loss is called when repair costs approach the rig's value, but that line is often closer than it should be on a custom build. We give you an honest repairable assessment with real numbers on both paths.
When an adjuster mentions total loss, the decision can feel out of your hands. It does not have to be. Here is how the call is made and how we make sure a repairable rig is not written off too soon.
How insurers decide total loss
Carriers compare the cost of repair against the rig's value. When repair nears a set share of that value, they may declare a total loss rather than authorize the work.
- Repair cost weighed against pre loss value
- Salvage value factored into the math
- A threshold percentage triggers the total loss call
Why a custom build changes the math
A conversion or upgraded coach is worth more than a stock valuation suggests. We document the build so the value side of the equation reflects what the rig actually is.
Getting an honest second assessment
We measure the structure and price a complete repair, then compare it to a documented value. Often a rig an adjuster wants to total is very repairable.
Frequently asked questions
How do insurers decide if my RV is a total loss?+
They compare the cost to repair against the rig's value, and when repair nears a set threshold they may call it a total loss. We give you the repair numbers and a documented value so the call is informed.
Can I dispute a total loss on my RV?+
You can. Bring it to us for an honest assessment, and we measure the structure, price a complete repair, and document the rig's true value, which often shows a coach is repairable.
Does a custom build affect a total loss decision?+
Yes. A stock valuation can undervalue a conversion or upgraded coach. We document the build so the value side reflects the real rig, which can change a total loss call into a repair.
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