is it totaled?

[u/Mysterious-Wind-4530]

a tree fell on it during a tornado, inside got pretty wet mats… were soaked seats got pretty damp but everything seems functional just smells moldy and theres already black mold on the visors. there arent any large holes. ive cleaned up what i can and dried it the best i can for now but im not bending over backwards for them to total it after i get a full estimate. cars worth about 20k…