Progressive Insurance Problems with Claim
I have Progressive insurance on my MotorHome. When traveling home from Michigan I was on I55 (August 26, 2014) a large wind gust hit the side and took part of the roof... the roof then started shreddi...
Forum Discussion
Hi DaySping:
I've spent the past several years in auto claims. Based upon your facts of loss and the year of the unit it doesn't sound good. Insurance laws vary state to state but the loss adjusting philosophy is pretty uniform. Two very important words are "reasonable" and "prudent". Is it reasonable to think a 16 year old roof would fail, regardless of maintenance? If it is reasonable to believe it wasn't "sudden" or "accidental" then coverage probably won't be offered. You have to prove the loss was sudden and accidental and offer support to show it wasn't reasonable that your 16 year old roof failed. Sadly, that is going to be quite difficult. I'm sure somewhere there is an expert that could examine the failed roof and determine if the polymers failed due to age or the wind. Your shop technician is most likely not capable of making that determination.
You could try to speak to the Claims Manager and ask for some assistance. You could speak to their superior and ask the same. I know for a fact the company I work for HATES to have something posted on Twitter or Facebook that is negative. But purely from a claims handling perspective you are in a weak position due to the age of the roof.
I've spent the past several years in auto claims. Based upon your facts of loss and the year of the unit it doesn't sound good. Insurance laws vary state to state but the loss adjusting philosophy is pretty uniform. Two very important words are "reasonable" and "prudent". Is it reasonable to think a 16 year old roof would fail, regardless of maintenance? If it is reasonable to believe it wasn't "sudden" or "accidental" then coverage probably won't be offered. You have to prove the loss was sudden and accidental and offer support to show it wasn't reasonable that your 16 year old roof failed. Sadly, that is going to be quite difficult. I'm sure somewhere there is an expert that could examine the failed roof and determine if the polymers failed due to age or the wind. Your shop technician is most likely not capable of making that determination.
You could try to speak to the Claims Manager and ask for some assistance. You could speak to their superior and ask the same. I know for a fact the company I work for HATES to have something posted on Twitter or Facebook that is negative. But purely from a claims handling perspective you are in a weak position due to the age of the roof.
