Recently the electric motor and wires that power the hydraulics for the LCI Levelers and Slide on our Coach caught fire, melted wires and burned up motor.I was all worked up about the expense this was going to be and a couple of my other RV buddies said "you had a fire, turn it in to your insurance". I had not thought of that option, because I was thinking more of a system failure.Any way, I called my agent to find out first if I had coverage and if I should turn it in as I did not want to jeopardize my auto and homeowners coverage.She said that it was covered for fire just like if you car caught fire and fell under our comprehensive coverage. She did not see any reason not to turn it in and told me I had 6 months to file a claim, since she had made notations in my file.She went on to tell me to take it to RV repair shop and get a quote and I could decide then, no adjuster needed.I was just wondering if anyone else has had a similar experience and filed an insurance claim?

not a fire but we did have some exterior damage caused by a hit and run driver in a parking lot 10 or 12 years ago. reported the damage to the local PD, notified insurance, filed a claim, had the work done and paid my deductible. no sweat. that's what insurance is for...to mitigate risk the individual doesn't want to otherwise cover themselves.

rk911 wrote:not a fire but we did have some exterior damage caused by a hit and run driver in a parking lot 10 or 12 years ago. reported the damage to the local PD, notified insurance, filed a claim, had the work done and paid my deductible. no sweat. that's what insurance is for...to mitigate risk the individual doesn't want to otherwise cover themselves.I guess I don't mind the claim as much as thinking that it was more of a system failure rather then what I would have considered a regular claim. Sort of like if the refrigerator stopped working.But this electrical fire cause so much smoke that it filled up the coach with smoke, although I never saw flames, things got so hot components melted.

I do not understand. You have insurance, but you do not want to use the insurance.DROP THE INSURANCE or go to a $2000 or $ 3000.00 deductible

No reason not to file a claim. Your comprehensive has a lower deductible (usually) than your collision, and a claim on the comprehensive doesn't count against you for raising your rates. A while back on here there was a guy talking about having a tire blow out that took out body parts and hydraulic lines and electrical lines. I think he said it was something like $6,000 damage he had to pay to get it all fixed. He didn't even think to use insurance since it was a tire blow out. Well yes, the blown tire isn't covered by insurance, but all the damage it did sure as heck is covered.

your agent says it's a valid claim so I wouldn't sweat the rest. if your fridge just gave up the ghost but started a fire the fridge itself might not be covered but the resulting damage sure would be. we had a water pipe break in our crawl space many years ago resulting in a minor flood. the pipe itself wasn't covered but the resulting damage was. file the claim or go out of pocket. I'd file.

Electrical Fire - Insurance Claim | Good Sam Community

rk911
Explorer
Aug 19, 2016
your agent says it's a valid claim so I wouldn't sweat the rest. if your fridge just gave up the ghost but started a fire the fridge itself might not be covered but the resulting damage sure would be. we had a water pipe break in our crawl space many years ago resulting in a minor flood. the pipe itself wasn't covered but the resulting damage was. file the claim or go out of pocket. I'd file.
msmith1199
Explorer II
Aug 19, 2016
No reason not to file a claim. Your comprehensive has a lower deductible (usually) than your collision, and a claim on the comprehensive doesn't count against you for raising your rates. A while back on here there was a guy talking about having a tire blow out that took out body parts and hydraulic lines and electrical lines. I think he said it was something like $6,000 damage he had to pay to get it all fixed. He didn't even think to use insurance since it was a tire blow out. Well yes, the blown tire isn't covered by insurance, but all the damage it did sure as heck is covered.
darsben1
Explorer
Aug 19, 2016
I do not understand. You have insurance, but you do not want to use the insurance.
DROP THE INSURANCE or go to a $2000 or $ 3000.00 deductible
lakebum
Explorer
Aug 19, 2016
rk911 wrote:

not a fire but we did have some exterior damage caused by a hit and run driver in a parking lot 10 or 12 years ago. reported the damage to the local PD, notified insurance, filed a claim, had the work done and paid my deductible. no sweat. that's what insurance is for...to mitigate risk the individual doesn't want to otherwise cover themselves.

I guess I don't mind the claim as much as thinking that it was more of a system failure rather then what I would have considered a regular claim. Sort of like if the refrigerator stopped working.

But this electrical fire cause so much smoke that it filled up the coach with smoke, although I never saw flames, things got so hot components melted.
rk911
Explorer
Aug 19, 2016
not a fire but we did have some exterior damage caused by a hit and run driver in a parking lot 10 or 12 years ago. reported the damage to the local PD, notified insurance, filed a claim, had the work done and paid my deductible. no sweat. that's what insurance is for...to mitigate risk the individual doesn't want to otherwise cover themselves.

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