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
Mile-High-Endura wrote:
How many of you check the plumbing under your shower? I noticed something running down the right rear tire cover. When I pulled the cover to see under the shower there was the p-trap just hanging there. The factory had glued the connection together instead of the correct way. We have vinyl floors never noticed any water (no carpet to get wet). Over time the floor in the bathroom, hall and out toward the kitchen area got soft. Very costly repair. I repaired the shower drain with a rubber coupling. Sure would've been nice to get some help from insurance for the floor repair. I don't believe it was a lack of maintenance on my part.
Jeff
Too late for this loss but a picture of the p-trap just hanging and your statement that it had always leaked would have supported an "accidental" loss and might have been covered by your insurance company. I've personally been involved with covered losses that were similar in nature.
The age-old rule in insurance is coverage applies if the loss was "sudden and accidental". Just because it took time for you to notice the damage doesn't automatically deny the claim. The loss occurred because someone accidentally failed to connect the plumbing correctly. Another rule of thumb is, "an unbroken chain of events" so if you can successfully show such a chain existed in your loss then coverage might be afforded.
You should know, however, that each use or event that led to the damage could be considered a separate loss and subject to a deductible. Insurance is weird.
