By the sounds of it, it wont be a write off, IMO.
It really depends on the insurance company for most of it. If the damages are around 80% of the market value, they will start considering it a total loss.
For sure get your own research in advance. Not every company low balls though. Some of them have their own authority to counter for a couple hundred more. But if you are going to fight for a fair bit of cash, expect to have some proof to back it up.
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