[A/S] RIP Marge the '65 Overlander

Folks - Chris Jeffries here. Long-time lurker, first time poster. I had hoped for my first post to be on a happier note but I write to ask for help.

On Thursday while traveling through northeastern Wyoming, Marge, my '65 Overlander, was destroyed in a single-car accident. I've spent the last 20+ months restoring her from the ground up. Marge ended up on her roof, flattened like a pancake. Edna, my trusty Ford Expedition TV, did a full roll and landed on her wheels. Remarkably, the 3 humans and 2 dogs inside Edna escaped with only minor scratches. However, both Marge and Edna are a complete loss. I'm still digesting everything - mortality, the forces that allowed everyone to survive, and what to do next. Marge was my home and had been for the last 2 years.

So here's why I write: Considering all the time and money I sunk into the renovations on Marge, I want to be sure I get as much from my insurance company as is possible and fair. I had "full timer's" coverage through Progressive. In early discussions with them, I feel as though I'm about to get low-balled. The verbiage on my coverage says "the lesser of actual cash value minus $500 deductible or $30,000, whichever is less". I had originally setup the policy for "agreed value" but I didn't get an appraisal to them in time and they converted it to this "actual cash value" deal. Seemed like a minor difference when they announced it but now it seems like a VERY big deal in terms of what they're going to pay me.

Does anyone here have experience/information they can share about how to maximize what I'll get from Progressive? There's no way I'll be made whole because I spent WAY too much on my renovations. But, I'd like to get as much as is fair and reasonable, considering my situation and my coverage. Aside from the chassis and the external skin, I've replaced everything and upgraded whenever possible - Xantrex SW3000 inverter/charger, flexible solar panels on top, electric leveling jacks, custom cabinetry, etc, etc (Yeah, I completely went overboard :) )

Thanks in advance to anyone who can help me navigate these waters!

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