Damage to RV from refrigerator drain hose

Drain hose was damaged and broken. The broken/brittle hose was provided to insurance comoany. System was put on to start getting ready for trip. Found water on the floor and immediately shut everything down. I wasn't expecting this much damage.

I would NOT hold my breathe on INSURANCE accepting claim

2 issues

1) Did YOU maintain the drain hose insuring that it was properly draining to the OUTSIDE of fridge compartment??

2) Did the RV MFG. properly follow Dometic Installation Instructions when they (RV MFG) installed fridge??


Typical (very common method) Dometic fridge drain hose placement thru lower vent




Dometic Installation Instructions

CONDENSATE WATER DRAIN HOSE:
A 3/4" hole must be drilled through the flooring in the opening of the base plate on the rear of refrigerator (see FIG. 5D).
The installer must make sure that the hose does not kink when run through the floor.
Seal around the hose where it goes through the hole.

In vehicles where routing the drain hose through the floor is not possible, a metal clip is available.
The clip is used to drain water out through the side vent

Typically, insurance pays for losses that are "sudden and unexpected." The fact the damage was caused by a long term exposure to water from a drain hose not properly installed and/or maintained, would tend to fall under not covered. Now a tree falling on the RV- no question. If you had a roof leak in your sticks and bricks house caused by poorly installed and/or maintained roof shingles (not from a wind or hail damage), would you expect your home owners insurance to pay to have the ceiling torn down and replaced? Therein lies your answer.

I hope the best for you, but hope you have realistic expectations.What you WANT them to pay and what they SHOULD pay may be two different things.

How did it happen? The drain hose is supposed to either exit through the side wall vent or the floor. It is not supposed to drain on the floor.

If I was the adjuster I would have to call it negligence due to lack of proper maintenance.

Good luck with your claim.