I have my 5th wheel parked at a RV park in Snyder TX and use it when working there. A month ago when the Ice storm hit most of the nation TX wasn't left out. Work was shut down for that week so I decided I would leave the water running at both ends of the trailer, turned on two electric heaters at each end, and turned the trailers propane heater down to 50F. 6 days later the manager of the park texted me and said my neighbor told her there was water running out of my king pin area and she shut the water off. I came back the next day to find the hot water handle for the sink in the bedroom broke off and water had sprayed like the fountains at Ceasers Palace all over everything in the bedroom running down the stairs into the rest of the trailer causing $17,500 in damage. Now National General Ins is trying to say they will only pay $470 for a cleanup because I wasn't there and don't know how long the water had been flooding the trailer. They are saying my policy doesn't cover long term exposure to water. First of all, it was only one day. Second, if it had been four or five days, how could that be considered long term. I have a feeling I'm going to be in for a huge fight.

Which I imagine you wont win......Insurance companies know all the angles......just sayin.

brettrice, Thank you for your time and post. If able can you please send me a PM with your contact information. I would like to see if we can help out. Mark F Marcus' Rapid Response Team goodsamcs@goodsamfamily.com

I have a couple of angles of my own. 1. Insurance board complaints really bug insurance companies and make them eager to settle the complaint. 2. Having a family friend who is a Harvard lawyer is a good thing, notice angle 1.

good luck, as a person who has been fighting the same insurance company for 11 years I can say its a hard road you travel.

First, you should take Mark F's offer to look into it.Second, read your policy paying special attention to coverage exclusions.Good luck,

Natonal General Ins ridiculious excuse for claim denial

wbwood
Explorer
Mar 19, 2014
bhall wrote:
wbwood wrote:
The sad thing is that your premium with national general is probably twice as much as other insurance companies and yet, you are not receiving much better service for that higher premium.

So, which ones are cheaper? I first had my TT insured through Progressive, then Allstate, and then GMAC/National and they came through and paid out a claim only 6 weeks into the policy!
National is the cheapest of the 3. If there are others that are "half the price" I would love to know because I'm naturally a cheapskate.

Last year, we were quoted about $900/year for insurance on our Class C through NG. We asked to be quoted through Allied (Nationwide Company).The quote was in the $400-500 range. A coworker just bought a Class C. He called and was immediately quoted through NG of a price in the $800 range. He asked about Allied. They came back with $400. I asked an executive with the CW insurance division as to why they automatically quote through NG. He told me that they are not supposed to quote through NG first, but to give the lowest quote, no matter which company it is. They have several they underwrite for. Well I know and my friend, knows that what he said isn't the truth. Either that or they have employees that are not trustworthy to the patrons. One thing he did say that I felt is the truth, is that NG pays out the highest commissions. He also said that NG provides the most comprehensive coverage and largest discounts to good sam members. Hmmmm if I remember right, they did the same coverage when I called and when my friend called, they quoted him on both companies based on the same answers he gave. And I find it hard to believe that there is any discount in there to GS members.
Duck
Explorer
Mar 20, 2014
I sold personal lines insurance for 15 years. Although the price is very important, the reputation of the company is also important. Items like claim experience and financial strength in case of a major catastrophe like a hurricane.
Don
wbwood
Explorer
Mar 20, 2014
Duck wrote:
I sold personal lines insurance for 15 years. Although the price is very important, the reputation of the company is also important. Items like claim experience and financial strength in case of a major catastrophe like a hurricane.
Don

Agree and NG doesn't appear to have a good rep here.

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Natonal General Ins ridiculious excuse for claim denial

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