"Would be interesting to hear from someone with a lot of claims experience."
Probably one's experience will depend on the individual insurance company. We had a car that was totaled from tornado damage twenty-two years ago. I casually mentioned to the claims agent our bad luck, that we had just put brand new tires on the car. She told me if I could produce a receipt and if they were less than 30 days old (they were), they would include it in the claim because they had salvage value. We couldn't access the receipt in the glove compartment due to the damage, but our tire dealer had the info. That took out some of the sting. Next, the insurance company wanted to pay us less than the market value of the car. When I questioned that, I was told if I could get three local dealers to give me a price, they would factor that in. I did, and we got a better settlement. Granted, that was twenty-two years ago and a lot has changed since then. We had no customized add-ons or mods to deal with.