Sellers out there know that there will ALWAYS be someone out there who can be seduced by the "crazy low" purchase price of a coach with a branded title, but who don't understand, or realize the ramifications down the road for a coach that has been flooded. Mostly it's a case by case issue. I ran into someone who was in a campground where one of the approaches to the bridge on the only road in washed out, so no one could get their rigs out. Plenty of warning, just couldn't get the RV's out. Some rigs were immersed in in 5' of water, well over engines, into the living compartment, etc. Jeff's 4 year old Mountain Aire was on one of the higher ground spots, and the water only came up to the bottom lug nuts of the wheels. He knew because he stayed with the rig . . . yeah, not going there . . . , anyway, his toad was there too, he submitted a claim, adjuster came out to the campground (cars could get in, but no RV's in or out yet), both his toad and RV were covered by the same insurance company. They totaled BOTH the car and coach! He let them keep the car (lower lug nuts on the coach are a LOT higher than interior of the car!) Bought the RV back for about 35% of legitimate value (a little less than $50k at the time) the insurance company wrote him a check for a little over $100k, he kept the coach, with a salvage title.
Difference here is that he KNEW that the water had never gotten into the cargo bays or into any of the wiring, but that's not the norm in these cases. He kept the coach for another 6 years or so, and sold it for around $70k.
Oh yeah, one last comment. Even though payoff of a branded title coach is somewhere around 60% of an unbranded coach, your insurance rates will still be the same! Go figure . . .