It appears that you may be right.  Our TM is an older model (91) and was in great shape due to the many days and hours of work that my wife and I spent reupholstering and revamping.  We did the tire mods, built kitchen cabinets etc.  The fortunate part is that our Ins. co realizes the value and we should get a pretty decent check and we will be able to retain the camper.  The bad part is that it will officially be totaled, and will be too expensive to fix.  So, you will probably just see us, dimples in the top and all at rallys anyway.