Can I ask how you total a Toureg due to water damage?
I ask because my BIL totalled his Kia just by launching his boat, and didn't realize all the computers were in the floorboard (ie under seat, etc) and got soaked and toasted. Kia was only 6 months old.
The sunroof and roof rail panels had a slow leak that water was accumulating inside the car's inner walls, started to grow mold and smell. 9000K worth of repair.