> I will let the list know as things progress.  The adjuster has not even made an
> appointment yet to look at it, so the wheels of bureaucracy are just starting to turn

So sorry about this. I know how it feels, as a tree fell and crushed our beloved Westy some years ago. We had camped in that Westy since my oldest child (now 19) was small enough to sleep in a bassinet on the passenger seat. It was like saying goodbye to an old friend.  That being said, we bought another and made new memories, so all wounds heal with time. 

I went through the insurance company mess. Their first offer was about $3k and we settled at about $12k. ($12k was reasonable because that Westy had 200k miles and a reconstructed-vehicle title.)  When they made the first offer, I told the adjuster that if he could find me another full camper in good shape that I could buy for $3k I'd take his offer. He actually tried but of course failed.  Meanwhile I found actual sold listings for similar campers throughout the U.S. and presented those. When their second offer was only $1000 more than the first, I told them they were being unrealistic and threatened to bring it to state arbitration. (Don't know if/how that works in your state.)  That worked.  They responded with a serious offer, about $10k, and we negotiated up to $12k from there.  Doubtless your insurance company, too, will start low and hope you're foolish enough to take it.  Stick to your guns. Good luck!

Ron Salmon
The Bus Depot, Inc.
www.busdepot.com