Appraisal report

Hagerty will write a policy in NYS with just a few pictures. No appraisal needed.

The issue might be that they have a minimum value, I think it's $5k, but it still will be very reasonable... Much less than the $780 quote.

Call them, be straight that the car is under going restoration, but I wouldn't mention that it needs floors. Take the pictures they want and if you have a reasonably clean license, you'll qualify.

My own agent for house and daily drivers also handles Hagerty... That's something to consider is to find an agent that can take care of all your needs. While the Hagerty insurance is fairly painless dealing with them directly, using an agent that wants to keep your other business makes it even easier.