WVa flooding got my TH

blofgren wrote:

NC Hauler wrote:

SoCalDesertRider wrote:
Not to sound harsh, but it's a good thing there was total destruction of the camper. The insurance company will for sure count it as a total loss and pay out whatever it's current value is, so you can get another one. :)

With Progressive, less than a year old, we get full cost. Replacement per the agent, we can probably Salvage the washer dryer combo and the Direct TV HD satellite on the roof. So now we're looking for a replacement

Agree, NO WAY they can't total it... It is trashed with water and mud 5-5 1/2' high.

Yes I'm sure they will total it too. It's certainly a major inconvenience but at least you and your family are safe and sound and that's what counts. I'm happy to hear you have adequate insurance coverage. :)

That is great news, NC! Glad they're taking care of it! :)

You may have to buy the trailer back from the insurance company, at scrap value, if you want to save the washer and dryer and anything else that is considered to be part of the trailer, rather than loose personal belongings.

Those things that are part of the trailer will be included in the replacement value of the trailer and the total loss payment they make to you. Once they pay you off, the trailer and everything that is part of it that you're claiming (aside from personal belongings), belong to the insurance company, which they will sell to a scrap dealer they have an account with.

When my F350 was totaled in the fire, I bought back the truck, at scrap value, which wasn't much. They subtracted the scrap value from their total loss payment to me and the truck stayed in my back yard, where I'd had it towed to after the fire.

I was very specific not to let the truck get towed to an impound lot. I called my own towing company to come tow it, rather than letting the highway patrol call their company. The insurance company reimbursed me for the tow.

I wanted to keep some parts from the truck that appeared to still be ok and were, to me, worth more than what they wanted for scrap value of the whole truck, since I have another F350 of similar year that can use some of those parts in the future.

You may not want a waterlogged hulk of trailer sitting in your back yard, so you may have to decide if parts you want to save from the trailer are worth the cost of the scrap value and dealing with disposing of the rest of the trailer, once you've stripped it.