Bad day, need input
The other night we had some bad storms come through; in the morning I got up and left for work as normal. I work a 24 hr shift, so when I came home and started working outside I noticed my camper. A d...
Forum Discussion
First, I'm glad you are okay and your family is okay. Sounds like some bad storms. Second, your rates shouldn't go up for a Comprehensive claim. So far you've done everything right. You mitigated (fancy insurance word that means you minimized follow up damage)your loss and you have pictures. Very smart to run the A/C to pull out as much moisture as possible. Hopefully, you aren't plugged into a standard 120v outlet.
I would advise against any more disassembly to uncover damages. An insured being too helpful is a "red-flag" and may be misunderstood.
I really doubt that a "patch" will be considered. Let the insurance company do there thing by writing an initial estimate. Ask them for their recommendation for some decent repair facilities. Do your own homework on the same subject. Choosing a competent, professional repair facility is the single most important decision you will make. Once you make your choice, use them as an advocate. Ask them if the estimate is sufficient to "make you whole" which your insurance company is contractually liable to do. Ask the repair shop, "if it was your camper what would you do"? Listen to them. Tell them you are ready, able and willing to call and raise a stink, if it becomes necessary. Be an active partner in the repair process without trying to dictate how things should be done.
Mold/Mildew requires a proper environment to colonize. Dry it down, keep it dry with good air movement and you can't get mold/mildew. However, insist if any carpet is replaced that the batting underneath get replaced, too. If a "detailing" is written to avoid carpet replacement; ask that the carpet be removed and allowed to dry out of the unit.
State Farm is typically "good people". They are not wanting to upset you and they certainly don't want to spend good money on advertising to attract a new customer to replace you. Mention that. Say, "save some advertising money by working with me and I'll tell 3 of my friends how good you've been". If they earn it by treating you right -- tell 3 of your friends.
I would advise against any more disassembly to uncover damages. An insured being too helpful is a "red-flag" and may be misunderstood.
I really doubt that a "patch" will be considered. Let the insurance company do there thing by writing an initial estimate. Ask them for their recommendation for some decent repair facilities. Do your own homework on the same subject. Choosing a competent, professional repair facility is the single most important decision you will make. Once you make your choice, use them as an advocate. Ask them if the estimate is sufficient to "make you whole" which your insurance company is contractually liable to do. Ask the repair shop, "if it was your camper what would you do"? Listen to them. Tell them you are ready, able and willing to call and raise a stink, if it becomes necessary. Be an active partner in the repair process without trying to dictate how things should be done.
Mold/Mildew requires a proper environment to colonize. Dry it down, keep it dry with good air movement and you can't get mold/mildew. However, insist if any carpet is replaced that the batting underneath get replaced, too. If a "detailing" is written to avoid carpet replacement; ask that the carpet be removed and allowed to dry out of the unit.
State Farm is typically "good people". They are not wanting to upset you and they certainly don't want to spend good money on advertising to attract a new customer to replace you. Mention that. Say, "save some advertising money by working with me and I'll tell 3 of my friends how good you've been". If they earn it by treating you right -- tell 3 of your friends.
