I have a 2019 337rls that was damaged during the recent storm. A top of an oak tree broke and part of it landed on the bathroom exhaust fan. It looks worst than it is. The insurance company after a virtual inspection wants to total it. They say that I can get it. After I repair it could I still get insurance? Could I get Liability only. Been on the roof their is no soft spots. The damage is on the exhaust fan and it's bracing. Any thoughts and suggestions would be greatly appreciated. Greg