The Power Steps on my 2014 Thor Challenger Motor Home broke. The gear plate bolt that the Gear Assembly rides on snapped off and the steps just swing free. My Extended Service Plan Coverage says that Power Steps are covered ("22. Power Steps – Power step lines, fittings, cylinders, worm gears, electrical switches and wiring harness, entry door motor and mechanism"). The claims person said that bolts are not covered. What they are claiming to be just a bolt that is not covered is a shoulder bolt that the gear assembly is attached to allow the step electric motor to extend the step and the motor cover plate is attached. It is machined part that is part of the mechanism that makes the step extend and retract and is welded in place. How do I dispute a claim that is denied I understand it is his job to not approve claims. I want to challenge the claim being denied, is my only recourse to go to arbitration? If my only option is arbitration can you tell me how to start the process?

I can't remember his last name but Scott is one of the GSRA top people. I had an issue with my jack system that was obsolete and couldn't be repaired and I corresponded back and forth with him about some coverage to replace the system. Possibly Scott Blanc? Maybe he would help you out!

I read a sample contract. The contract is silent on disputes.SO it looks as if a lawyer is your only legal recourse.But did you escalate the refusal with some one at GSESP?The agent may have made an honest mistake, could have done it on purpose or may just be a poor employeeThat would be the first step.Do it email or some other method where you develop a time line and acquire names and reasons.EDITOn rereading your post your contract differs from the one posted online by Good Sam and this may be causing some confusion.The online version states " POWERSTEP SYSTEM - Coverage for power step and cover system includes all mechanical, electrical and hydraulic components"

You have to admit, GS is good at what they do: denying legitimate claims based on ridiculous technicalities.Did you ask her where it says that bolt is specifically NOT covered?

Did you take it to a shop and the shop called GS or did you personally call them asking for approval? Sounds as though the gear assembly needs to be replaced, a seemingly covered part. If the bolt can be removed with an e-z out and replaced it probably could be done for less or close to your deductible.

Rollnhome wrote:Did you take it to a shop and the shop called GS or did you personally call them asking for approval? Sounds as though the gear assembly needs to be replaced, a seemingly covered part. If the bolt can be removed with an e-z out and replaced it probably could be done for less or close to your deductible.Actually both the shop told me yesterday that the GS Extended Warranty would not cover the repair and so I came home and called them myself. I also called the step manufacturer LCI and the coach manufacturer Thor Motor Coach. It is in the shop for service and several other warranty items. The step is only one of the items they are refusing to cover.Before the gear plate bolt can be removed with an E-Z out the step has to be removed from the coach and the tack weld has to be ground off. I am also concerned because the step broke when I had pulled into a gas station to refuel, I opened the door and the step was just swinging, When I got out the bolt was laying right under the step, there was also a small spring around the gear on the motor, so I don't know if the motor malfunctioned causing the bolt to snap off, the shop says they need to replace the bolt before they can check the motor, I am going over to the shop this morning and see if the tech can check the motor again, I still don't know where the spring came from.

How can I dispute a claim that is denied. | Good Sam Community

14 Replies

Rollnhome
Explorer
Aug 05, 2015
Did you take it to a shop and the shop called GS or did you personally call them asking for approval?
Sounds as though the gear assembly needs to be replaced, a seemingly covered part. If the bolt can be removed with an e-z out and replaced it probably could be done for less or close to your deductible.
ScottG
Nomad
Aug 05, 2015
You have to admit, GS is good at what they do: denying legitimate claims based on ridiculous technicalities.
Did you ask her where it says that bolt is specifically NOT covered?
darsben
Explorer II
Aug 05, 2015
I read a sample contract. The contract is silent on disputes.

SO it looks as if a lawyer is your only legal recourse.
But did you escalate the refusal with some one at GSESP?
The agent may have made an honest mistake, could have done it on purpose or may just be a poor employee

That would be the first step.
Do it email or some other method where you develop a time line and acquire names and reasons.
EDIT
On rereading your post your contract differs from the one posted online by Good Sam and this may be causing some confusion.
The online version states " POWERSTEP SYSTEM - Coverage for power step and cover system includes all mechanical, electrical and hydraulic components"
lj2654
Explorer
Aug 05, 2015
I can't remember his last name but Scott is one of the GSRA top people. I had an issue with my jack system that was obsolete and couldn't be repaired and I corresponded back and forth with him about some coverage to replace the system. Possibly Scott Blanc? Maybe he would help you out!

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How can I dispute a claim that is denied.

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