Jim,

I don't think that you are risking anything with an appraisal (other than the cost) and it does give you a number from an authoritative source that would be easy to defend if you ever need to.

You might want to also compare the appraisal with any documented pricing that Liberty Coach is currently asking for their coaches of the same model and vintage. These documents should give you a pretty accurate number that hopefully both you and the insurance company will be comfortable.

And hopefully you'll NEVER need it !

Best wishes on picking up your new bus.... you must be getting pretty excited about now!