Hi there. Is this for the women's long coat? And is your avi new style?
I've only used the Long Coat once but I will try to help.
First off, you should be using the HF_Upperbody_Longcoat map, I believe.
When you upload the texture set the parameters as follows:
Set avatar type to New style
Gender - Female
Model category - Female torso
Model - Long coat w/skin
Layer - Clothing
"Decal" shouldn't show up since you are choosing Clothing as the layer.
Setting layer to Skin and Decal to clothing can make some weird things happen as it will sort of try to apply it like it would for skinny top, on your torso like a second skin.
This is useful for putting an underlayer on under the coat to mask any bleed-through/gaps but not for what you're doing.
If you have significant chunks of the map not filled in like you would for a cape you might end up seeing nothing at all in that case.
I am not sure what the diff is between Long Coat and Long Coat w/skin but there might be other posts here in the forum that would explain that that you could find with a search.
I used Long Coat w/skin for this one I made that uses the map that you are working with:
https://www.utherverse.c.../outfit.aspx?id=2323098
I hope that helps and good luck!
Cel