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A 75,000 mile V4P has taken a bath ...

2865 Views 45 Replies 12 Participants Last post by  ayilar
Fellow ISSF members,

@Caddyshack95 has suffered a force majeure event: his home was flooded under 4 feet of water.

Among worse things, his '95 Fleetwood V4P has taken a bath.
According to him, the water did not reach the bottom of the seat cushions.

The water only got up to the floorboards, but not quite up to the seat cushions.
The insurance company - Grange - has totaled it.
Grange has not yet stated the valuation, which he fears will be drastically underestimated, given that it's a V4P.

How does he fight the valuation if Grange underestimates?
Since it's likely Grange will underestimate the value of the car, how does he go about fighting the undervaluation?
How does he go about keeping the V4P?

Oh - how many '95 V4P were produced?

Any advice regarding the above, or any other advice or assistance of any kind would be most appreciated.
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The market for anything 'used' has been insane, and without actually doing comparisons in KBB, Edmunds, NADA and the rest I'm not getting the stigma about V4Pes. Fleetwoods in general are holding as well as anything else their age - I think. IDK Grange at all, but I've had luck when my carrier (highbrow hoitie toitie State Farm) does their expected initial lo-ball total offer, by taking one of two approaches. If I really want the car, then whether my policy terms actually cover being made whole by repair, or, they see all the other policies they'll forfeit if they piss me off too much, then they'll relent and I get it repaired. Those occasions have ended up higher than the 'total' amount but also lower than what I demanded using comparable 'sales' that I could document online. On one occasion the repair was actually 70% of the way between their lo-ball and my calculated 'value'. The other approach, to accepting that the car be totaled, is using those same documented 'sales' as leverage against their lowball. It's important not to dilute the argument with any online 'for sale' amounts. And my carrier always paid extra for any performance / safety addons, more than likely again from just wanting not to jeopordize the cash cow of all my combined policies. Best luck in your decision.
One note: All they care about is the money. I made the 'adjustment team' look good when I suggested they cover the $1,500+ in parts costs for me to rebuild my own tranny v. a $2,300 'voucher' for a chain outfit to slap in a rebuild.

BTW, it's rather rat$IHJ that happened with errthin' else you got going on. Bull On.

And just caught toon-'s post = valid insights. I like the 'buyback'/swap-over deal if you're so inclined. And FWIW, my carrier would offer to do a home inspection if I couldn't get to their regional adjustment depot.
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And that 4' but only up past the rockers makes me wonder if you had it as high as possible up on stands ????????
For a count of V4P production I've heard such info on the Cadillac Forum being available from something called compnine
Haha. Death Valley (or Wash. state) level temps around here since those rains. If it's been in the open with the windows cracked since then, it'll be well autoclaved by now. But alas, giant pours promised again tonight.
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