Originally Posted by JokerDJD
...but was told I need a professional appraisal of the unit to insure it for that much...
told by WHO/M ?
this largely depends on WHICH insurance company or WHO the agent be...
many have been able to use their resto' materials/costs list for justification of value and others have used appraisals.
other the agent just 'agrees' with your estimate (maybe some comparable'z are used...)
several threads on this, search 'progressive' or agreed value in the insurance/dollar/cents forums...
or in the titles sections.
or post WHAT insurance company u are considering and folks will jump in...