Understand the difference between standard policies, agreed value coverage, and stated value clauses. Agreed value can protect investment in rare parts and craftsmanship, but only if documentation is airtight. Provide build photos, receipts, and professional appraisals. Ask about coverage caps on aftermarket electronics and wheels. Revisit values annually as markets change. Comment with insurers that treated your build fairly, and note which documents made approval quick so others can replicate your successful approach without guesswork.
Adjusters examine whether modifications contributed to damage, whether parts are legal for public roads, and whether declared value matches evidence. Your preparation wins here: organized documentation, maintenance logs, and proof of compliance calm concerns. Keep emails confirming disclosures to your insurer. If an inspection was done, include it. Explain modifications in safety terms when appropriate. Share stories of smooth claims and lessons learned when details were missing, helping fellow readers avoid avoidable delays during stressful moments.