Hail damage insurance claim
I've never dealt with an insurance adjuster or anything like this so would like some insite on the process. Our 5th wheel got hit by major hail damage a few days ago. The rubber roof looks in tact bu...
Forum Discussion
Wait and see what they say.
Basically when you bought insurance, you got a promise from that insurance company that they would pay for damage to your RV if you crashed into anything, and they would buy your RV for fair market value of you destroyed it by fire, accident, or whatever they agreed to cover in your policy. So if hail is a covered event, you will get it "Back good as new" - well good as 4 years old, or 10 years old, as the case might be. So if the insurance agent looks at the RV and says it needs a new 6,500 roof, and has some sidewall damage to the tune of $1,400, then they can say "this RV is 10 years old, and a good used one will cost $6,500 to replace it". So they might total it, or say "We can fix it like this never happened for $8,500 and your 2 year old RV is worth $17,500 replacement, so we will have it fixed."
It all depends on how old the RV is, if it can be repaired for less than replacing it, and how they feel that day.
Yes if you feel you did not get enough for the repair, you can ask for more. I have heard of some pretty generous offers to repair a RV, because it can get expensive.
My sister just bought a new 8' X 26' piece of sheet metal and replaced the roof of her toy hauler. I think the total job was less than $800 with her and her husband providing all the labor. Some misc. materials, sealants around the edges, ect.
Fred.
Basically when you bought insurance, you got a promise from that insurance company that they would pay for damage to your RV if you crashed into anything, and they would buy your RV for fair market value of you destroyed it by fire, accident, or whatever they agreed to cover in your policy. So if hail is a covered event, you will get it "Back good as new" - well good as 4 years old, or 10 years old, as the case might be. So if the insurance agent looks at the RV and says it needs a new 6,500 roof, and has some sidewall damage to the tune of $1,400, then they can say "this RV is 10 years old, and a good used one will cost $6,500 to replace it". So they might total it, or say "We can fix it like this never happened for $8,500 and your 2 year old RV is worth $17,500 replacement, so we will have it fixed."
It all depends on how old the RV is, if it can be repaired for less than replacing it, and how they feel that day.
Yes if you feel you did not get enough for the repair, you can ask for more. I have heard of some pretty generous offers to repair a RV, because it can get expensive.
My sister just bought a new 8' X 26' piece of sheet metal and replaced the roof of her toy hauler. I think the total job was less than $800 with her and her husband providing all the labor. Some misc. materials, sealants around the edges, ect.
Fred.
