bob and the guys are right! i know its too late now
but when my ride was about 80% completed i was talked into getting the
29'er appraised.4 years ago! $18000 dollars(can), a year ago it was appraised at $22000(can), still not finished!
the unique thing about this is the appraiser,will in you're situation, go to
court with you and in almost all cases the insurance company will settle for his appraised value!
i know that this is small consulation since this accident has already happened
but its something to think about!