Doug, I can understand why you would take umbrage over the feedback you are getting ($4K in maintenance and refurbishment does not make it worth $4K), but that is the way it is with automotive. DAMHIK. I got around this impenetrable truism with a stated value policy and LOTS of documented customization (as opposed to refurbishment); I pay more for the policy, and at the end of the day it was very much worth it.

I'm saying this more for readers, too late for your scenario, and I've certainly been there (that's why I went stated value). Take the money, invest a bit, rebuild your vehicle, get it inspected so you can rescind the salvage part of the title, and see what you can do for improved coverage.