Hi, in July of 2017 my house burn't down and in the process damaged my mother's Cherokee 285b+ 5th wheel RV. The insurance company has fought her every step of the way and have paid to date $1400. Today (March 15 2018) they call to say they are denying any and all contents coverage, implied that the RV might have had pre existing damage (insured by Good Sam's fulltimer's insurance since day one in 2007) and after all these months of telling us that once we can get it to a shop they will reopen the claim if the shop finds additional damage, now they say 'yeah IF it was caused by the fire' in a really dismissive fashion. At the very least there is additional damage to all the wiring (switches, control panel etc) adjacent to the entry door, and the guy at the shop says he believes there to be structural damage inside the wall. We have just about removed enough debris from my house fire to accommodate getting this RV to the dealer, but I'm terrified for my mother that after the shop opens it up, the insurance won't pay and mom will have in effect given her RV to the shop. Is this normal?PS. The insurance won't pay one single dime to get this RV to the nearest shop 90 mile away.

It sounds like you need a lawyer.

Op, I strongly suspect, the dealer will not remove a single screw, let alone open it up, without a commitment from the ins to pay for such. The RV dealer is not stupid, and this, is not his or her first rodeo, I would bet. Last thing they want is a derelict RV. Without a guarantee of payment, from somebody, I doubt they will rip into it.Get it to the dealer let them do their job, then go from there in my opinion. Let them sell it to the Ins co, as to the need to do a more detailed inspection, and to if the damage if any was caused by the fire, or is pre-existingBut if the damage is extensive, the ins co may total it. Who knows, just my thoughts. But I might also mention to the Ins company, if they do not allow a through inspection, and god forbid, it burns down from toasted wiring, and someone is hurt or injured, do they really want that wrongful death or injury lawsuit. That's a pretty big hammer, and should get their attention

What type of control panel was it? Hopefully they will reopen the claim for your Mom.

OP, sorry for your loss. Are the black strips either side of the door decals or painted on strips?

Hello Guitars4cancer,Thank you for your time and post, I apologize for the experience you and your mother are having. Please provide the name on the Good Sam insurance policy and a contact number in a private message. I will look into your concerns further.Thank you,EllaGood Sam Care Team

Full timers insurance no good? | Good Sam Community

Good_Sam_Care_T
Explorer
Apr 09, 2018
Hello,

I am closing this topic due to lack of activity. Thank you for your time and participating. Please feel free to open a new thread on this topic in the future if you wish.

Thank you,
Ella
Good Sam Care Team
GHOST1750
Explorer
Mar 24, 2018
I switched from Good Sam to Progressive because the premiums with Good Sam went to over $900 every 6 months. Progressive wasn't that much for a year. I had two claims with Progressive and couldn't be happier with the way they were handled. One was a little fender bender and the other was a serious fire claim. They also paid half of the towing for 257 miles. They said the towing Co. over charged me on time.
KPetrick
Explorer
Mar 19, 2018
Guitars4cancer,

Can you send me a private message with more details? Is this Progressive policy written through the Good Sam Insurance Agency? New policies with other companies can't be written without the policyholders permission. Please send me your telephone number so I can give you a call.
Keith - Director of Good Sam Insurance Agency
Good_Sam_Care_T
Explorer
Mar 17, 2018
Guitars4cancer,

Thank you for providing additional information.

Thanks,
Stacy
Good Sam Care Team
Guitars4cancer
Explorer
Mar 17, 2018
Ivylog wrote:
OP, sorry for your loss. Are the black strips either side of the door decals or painted on strips?

Painted I'm pretty sure.
Guitars4cancer
Explorer
Mar 17, 2018
My apologies, apparently about 4 years ago mom was scammed into switching to another insurance company for her RV. She said she got a letter that said her policy was now with Progressive. I've been paying her premiums to National General all these years, but it just looks now that it was only for our cars, and I didn't catch that. All this time I've been confident my mother was covered by 'full-timer's' insurance, but apparently someone switched her RV to crappy insurance. I'll be looking into how this happened, but I'm afraid it is too far in the past to be of any use. I sure hope this doesn't happen to anyone else. She said it happened right after she had a claim for her awning. National General didn't sell her policy to Progressive to get rid of her... I hope.
All apologies, apparently we're screwed.
Thanks,
Good_Sam_Care_T
Explorer
Mar 16, 2018
Hello Guitars4cancer,

Thank you for your time and post, I apologize for the experience you and your mother are having. Please provide the name on the Good Sam insurance policy and a contact number in a private message. I will look into your concerns further.

Thank you,
Ella
Good Sam Care Team
Ivylog
Explorer III
Mar 16, 2018
OP, sorry for your loss. Are the black strips either side of the door decals or painted on strips?
Lwiddis
Explorer II
Mar 16, 2018
What type of control panel was it? Hopefully they will reopen the claim for your Mom.
winnietrey
Explorer
Mar 16, 2018
Op, I strongly suspect, the dealer will not remove a single screw, let alone open it up, without a commitment from the ins to pay for such. The RV dealer is not stupid, and this, is not his or her first rodeo, I would bet. Last thing they want is a derelict RV. Without a guarantee of payment, from somebody, I doubt they will rip into it.

Get it to the dealer let them do their job, then go from there in my opinion. Let them sell it to the Ins co, as to the need to do a more detailed inspection, and to if the damage if any was caused by the fire, or is pre-existing

But if the damage is extensive, the ins co may total it. Who knows, just my thoughts. But I might also mention to the Ins company, if they do not allow a through inspection, and god forbid, it burns down from toasted wiring, and someone is hurt or injured, do they really want that wrongful death or injury lawsuit. That's a pretty big hammer, and should get their attention

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