National General has lost my business!_
I've had National General insurance on my vehicles and RV for the last 7 years and never had a claim. Took my RV out after the winter to find water intrusion with damage to the cab floor and wall. Too...
Forum Discussion
There's part of me telling myself, "don't post this" but another part telling me "go ahead".
First - the basic rule of thumb in providing coverage is "sudden & accidental". So, NatGen has a basis for the denial. However, and this is a big however, if your statement is true that CW has yet to identify the leak then a formal denial is impossible. How the water got in has yet to be determined. NatGen does NOT have to pay for a diagnostic - that's the owners responsibility. But without a diagnostic of how the water entered then the absolute truth of sudden and/or accidental isn't fully known.
Did you have any violent thunderstorms recently? Could the water have entered thru a window left open accidently? If a window was left open it could be covered. Did high winds peel back some caulking allowing the water in? It could be covered.
Simply put - without knowing where the water got in then the coverage is up in the air.
Ask for a formal denial letter. Ask your adjuster to list who determined the cause of the intrusion and quote the policy specific language the denial is based. Then, pay CW there pound of flesh and go find another reputable repair shop and have them read the denial letter and see if they agree with the diagnosis from CW. If the new shop finds that the intrusion "could" be sudden or accidental you're back in the game by asking the adjuster to re-evaluate the original denial.
90 out of 100 adjusters don't know the first thing about RV construction. They absolutely rely on reputable shops telling them how and where the damage occurred.
BTW - I know a little about how insurance companies work.
First - the basic rule of thumb in providing coverage is "sudden & accidental". So, NatGen has a basis for the denial. However, and this is a big however, if your statement is true that CW has yet to identify the leak then a formal denial is impossible. How the water got in has yet to be determined. NatGen does NOT have to pay for a diagnostic - that's the owners responsibility. But without a diagnostic of how the water entered then the absolute truth of sudden and/or accidental isn't fully known.
Did you have any violent thunderstorms recently? Could the water have entered thru a window left open accidently? If a window was left open it could be covered. Did high winds peel back some caulking allowing the water in? It could be covered.
Simply put - without knowing where the water got in then the coverage is up in the air.
Ask for a formal denial letter. Ask your adjuster to list who determined the cause of the intrusion and quote the policy specific language the denial is based. Then, pay CW there pound of flesh and go find another reputable repair shop and have them read the denial letter and see if they agree with the diagnosis from CW. If the new shop finds that the intrusion "could" be sudden or accidental you're back in the game by asking the adjuster to re-evaluate the original denial.
90 out of 100 adjusters don't know the first thing about RV construction. They absolutely rely on reputable shops telling them how and where the damage occurred.
BTW - I know a little about how insurance companies work.
