80mph gusts wind ..ripped off half roof
A couple days ago Utah was hit with winds steady at 40-50 and gusts up to 80mph... during that time the wind side edge of my roof on my 1993 itasca sunrise began to peell back... after a few minutes ...
Forum Discussion
Wow, some wild speculation on here!
If you have comprehensive or Specified Perils on the rig then wind damage is a covered peril. The roof was right before the storm and is now not right so your insurance should come good, subject to a deductible as specified on your policy declaration page.
What's covered? The roof damage and any related NEW water damage both outside and inside.
What can you expect out of pocket? Your deductible for sure.
In addition your insurance will not cover pre-existing damage. If the roof structure has rot or decay from old water damage then that's your responsibility. Remember your insurance covers sudden and accidental damage from the wind storm but will not help with years of decay, or pre-existing damage if there is any.
Your policy on an older rig is likely written on an Actual Cash Value basis. That means if they have to replace old material with new you may incur depreciation or betterment penalties. For instance, if the existing roof material can be put back into place or patched(repaired) then that's a repair, no betterment incurred and paid in full.
If on the other hand they have to replace your entire 22 year old roof with new material then expect to have to contribute towards the material cost, over and above the deductible. With an older vehicle you likely are not entitled to full replacement cost.
Why would an adjuster recommend you leave the tarp on until he gets there? That's easy. In many cases people tend to think that once the adjuster has been in touch they have no more responsibility for the well being of their own property. If the adjuster says ok to the tarp removal many folks peel it off and then leave it off regardless of the weather. More damage ensues and the owners use the old adage, "well you told me it was ok to take it off, I was only following your instructions"
From the adjusters point of view it is far better to instruct you to keep it protected. The roof structure is not going to rot or seriously add to the cost by leaving it covered until Monday. If you want to remove the tarp, and weather is not an issue, then do so, after all it's your rig. Just make sure you put it back on if the weather changes, overnight or if you are not going to be present to keep an eye on it.
I am not speculating, I am an Insurance Adjuster, licensed in both Canada and the US.
If you have comprehensive or Specified Perils on the rig then wind damage is a covered peril. The roof was right before the storm and is now not right so your insurance should come good, subject to a deductible as specified on your policy declaration page.
What's covered? The roof damage and any related NEW water damage both outside and inside.
What can you expect out of pocket? Your deductible for sure.
In addition your insurance will not cover pre-existing damage. If the roof structure has rot or decay from old water damage then that's your responsibility. Remember your insurance covers sudden and accidental damage from the wind storm but will not help with years of decay, or pre-existing damage if there is any.
Your policy on an older rig is likely written on an Actual Cash Value basis. That means if they have to replace old material with new you may incur depreciation or betterment penalties. For instance, if the existing roof material can be put back into place or patched(repaired) then that's a repair, no betterment incurred and paid in full.
If on the other hand they have to replace your entire 22 year old roof with new material then expect to have to contribute towards the material cost, over and above the deductible. With an older vehicle you likely are not entitled to full replacement cost.
Why would an adjuster recommend you leave the tarp on until he gets there? That's easy. In many cases people tend to think that once the adjuster has been in touch they have no more responsibility for the well being of their own property. If the adjuster says ok to the tarp removal many folks peel it off and then leave it off regardless of the weather. More damage ensues and the owners use the old adage, "well you told me it was ok to take it off, I was only following your instructions"
From the adjusters point of view it is far better to instruct you to keep it protected. The roof structure is not going to rot or seriously add to the cost by leaving it covered until Monday. If you want to remove the tarp, and weather is not an issue, then do so, after all it's your rig. Just make sure you put it back on if the weather changes, overnight or if you are not going to be present to keep an eye on it.
I am not speculating, I am an Insurance Adjuster, licensed in both Canada and the US.
