Insurance Queston
Hello Everyone,
I have a question I was hoping someone may have some input on with their own experience. I actually hope no one has had this happen to them but I feel our insurance company my be abandoning us. The incident is as follows...
Our RV had been sitting for 2 years on our property and was not insured. It was not being driven but I would start it monthly.
We had a fire originating from our RV due to a back fire while I was doing my monthly startup. The fire spread to our house and totaled it and the neighbor’s house had some fire damage as well.
Insurance was providing attorney representation for a year but has informed us they will only pay one more month as the RV did not have coverage. Neighbor’s insurance is trying to seek coverage but fire was ruled an accident and no negligence found. But that is not stopping neighbors insurance and they may want to take us to court and our insurance has informed us we are on our own after October.
We were under the impression that the RV insurance was needed for coverage for when we took it out on the road for liability as our insurance mentions exclusions if it is off insured property. We have homeowners insurance on the RV was on our property and thought home owners would cover in the event of something happening. The insurance was representing us but is saying they will no longer do so.
We are lost and need to know if anyone has gone thru this and can offer some advice.
Any information would be greatly appreciated.
I have a question I was hoping someone may have some input on with their own experience. I actually hope no one has had this happen to them but I feel our insurance company my be abandoning us. The incident is as follows...
Our RV had been sitting for 2 years on our property and was not insured. It was not being driven but I would start it monthly.
We had a fire originating from our RV due to a back fire while I was doing my monthly startup. The fire spread to our house and totaled it and the neighbor’s house had some fire damage as well.
Insurance was providing attorney representation for a year but has informed us they will only pay one more month as the RV did not have coverage. Neighbor’s insurance is trying to seek coverage but fire was ruled an accident and no negligence found. But that is not stopping neighbors insurance and they may want to take us to court and our insurance has informed us we are on our own after October.
We were under the impression that the RV insurance was needed for coverage for when we took it out on the road for liability as our insurance mentions exclusions if it is off insured property. We have homeowners insurance on the RV was on our property and thought home owners would cover in the event of something happening. The insurance was representing us but is saying they will no longer do so.
We are lost and need to know if anyone has gone thru this and can offer some advice.
Any information would be greatly appreciated.
