VA-Apraisr wrote:
Was fishing this past weekend and lightning struck a 13' graphite fishing rod on the front of my RV in the cooler rack. It vaporized the rod completely and broke front windshield but otherwise not damage to RV. I only carry liability insurance, so, this would have been devastating if my RV had burned up. Since it's 4WD and customized, want to insure it for comprehensive/total-loss insurance with a declared value of $60,000.
Any insurance carries you'd recommend before I do the dreaded Google search which will automatically generate wayyyyy to many inquires from every insurance provider out there?
What's the market value of the rig and can you convince the insurance company?
If it's way outside the comparable prices on the market (or just an oddball), expect to provide a survey and independent appraisal. Don't expect your love of the rig to sway them.
If it's a $5k RV, they won't let you insurance for $60k.
