Is Your Insurance Company on Your Side?
Are you a Full Time RVer? Even if you are a Part Timer, please review your insurance policies for what is covered and what is not. We have been full time RVers for seven years and recently had to ...
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pjdinkel wrote:
Are you a Full Time RVer? Even if you are a Part Timer, please review your insurance policies for what is covered and what is not.
We have been full time RVers for seven years and recently had to fly out of town for medical reasons. While we were gone, there was a storm that knocked out our power. RV refrigerators do not restart by themselves. The results were our food especially in the freezer spoiled and began to rot. Upon return it smelled like a decomposing body. We had to move out of our home.
We tried for a week using everything possible including commercial ozone machines and suggestions from funeral homes. All to no avail. We were forced to fill a claim with our insurance company to try and get the refrigerator/freezer replaced.
Guess what, if you have a power outage then your policy becomes null and void if you have the wrong insurance company. Think your policy covers an “Act of God”? So did we but if that tree that falls on your RV and causes a power outage or that lightening strikes causes a power outage all additional damage is not covered.
We were with AnPac (American National Property and Casualty Companies) for three years and found out their “loop hole” to deny claims was the “power outage” clause. We called around and they are not the only ones who have and use this clause. Check your policies.
We are switching to Good Sam insurance. We would have been covered. Too little, too late for us in this case. Protect yourself.
:R
Good grief..
Why does everyone EXPECT insurance companies to cover EVERY mundane possible scenario in life???
Truth is they DO NOT COVER EVERY SCENARIO POSSIBLE..
The things they will not cover typically are "an act of God"..
My Homeowners insurance will not cover my home fridge dying, they will not pay for replacement nor will they cover the food that had spoiled in it.. I am not sure as to why you would have expected the insurance company to cover a RV fridge replacement..
That IS LIFE.
Buy a new fridge and get on with life.. Yeah they are not cheap but that IS the gamble you took with a RV..
