rgatijnet1 wrote:
Besides full coverage and an agreed upon value for the coach if totaled, my RV insurance also includes $5000 for personal items inside my coach. I have a very basic inventory of items in the RV but I do not have proof of purchase for every piece of clothing, kitchen items, electronic device, or tools stored in the basement.
Has anyone ever dealt with an insurance company claim for personal items?
We had our 40' Tourmaster stolen from a storage lot. They hot wired it and drove it right through the locked gate!..we had AAA at the time...they asked for a written detailed list of what was in the coach and my DW did just that...right down to the salt and pepper shakers, food in the cabinets, beer down below etc. It was very detailed. AAA got with our homeowner's insurance agent and together they paid for everything on our list. Unfortunately, some things have a nebulous value so we had to generalize some things, like a 300 piece tool set that HD no longer carried, but we got what we felt was fair prices for everything. When the coach was recovered many of the items were still in it, including the beer...:h..:B....the coach was destroyed though having been driven through the fence and then had the A/C's lopped off by a low hanging branch. (part of it was still imbedded in the roof)...Dennis
