Insurance Company giving me a hard time
2001 Trail-lite 5280-s 5th wheel camper. I have owned it since 2002 (purchased from dealer new as last years inventory). Camper is stored out doors since day one in Michigan. Well, we had record sn...
Forum Discussion
JiminDenver wrote:
It sounds like the best you can hope for is a good leak test. It's sad that insurance companies look for any reason not to pay. It started out making sure they were not being defrauded and turned into lets see just how far we can push it.
Good Luck
Yes it is. Again, no claims with them in 13 years of ownership. No claims with any of my insurance companies for 3 autos, 1 home, 1 atv, and 2 motorcycles in over 25 years!
Was told by the insurance company, "based on pictures, there is no visible sagging to the roof from the outside" Therefore the inside sagging must be caused by a water leak".
Which is a bunch of beans, there is sagging, and the only reason there is no puddling of water after a rain in the low spot is because the roof angles down at that section (slopes towards the rear by design).
I will run a tight string across the roof (on the outside)from left side to right side and measure the amount the roof sags in the center with a tape measure. Will take photos and video of that. Would love to just drop a marble on the roof and watch it roll to the low spot on the roof, but this is the angled portion of my 5th wheel so it will probably just roll off the back of the camper.
Am also going to take a video of the outside roof while I am pushing on the inside ceiling. You can visibly see the roof rise up and down.
Again, there is no wood struts to break or rot, and any water leakage would A) stain the interior finish somewhere, B) leak out one of the joints/seams in the interior panels (seams every 4 feet on the interior ceiling), C) leak out one of the multiple light fixtures, or D) leak out one of the AC ducts/vents.
Again the roof is 4 inches of foam and has tunnels cut in the foam that makes the AC ducts and a route for wiring.
Yes, I am an adult, and am not afraid to "man up". Even when it hurts. It's called "character". If the camper had a history of leaks, I would admit it, take my lumps and would not be posting right now. I am not afraid to mention my mistakes or take responsibility for my actions.
This is just a matter of the insurance company trying whatever they can to avoid paying. The more I think about it, the more I need to speak with a lawyer. KD
