RV insurance claim - flood

dedmiston wrote:
If it were me I would call Allstate's claims office instead of your agent. The agent is probably right, but might not be. The agents don't have the authority or expertise to approve or deny a claim.

YES, that is what I should have suggested in the first place!

No one anywhere in the world can tell you what "is" or "is not" covered without seeing the declarations page, proof of payment of premium, and a copy of the policy. Any opinion minus those documents is just that "opinion", not to be confused with facts. In short, you're barking up the wrong tree.

If you feel like you are not being treated well by your insurance company, contact the state insurance agency. They are you advocate.
I have used them here in MO. with positive results.

Richard

This is turning into total supposition on all our parts as the OP hasn’t provided enough verifiable info to determine. (Likely why he either is or feels like he is getting slighted by the ins co)

There's definitely a difference between "I'm sad/mad that I don't have this coverage" and "I paid for the coverage but they're denying my claim". It sounds to me like this falls under the "no coverage" category. It's a shame, but there really isn't anybody to be mad at and there isn't any recourse.

If you don't have the coverage you think you should then shame on you! You need to be VERY specific of your coverage requirements when getting a price as they will keep it as cheap as they can to get another customer.

Cousin just tole me of how they just spent several hundred dollars on having a new windshield on a newer SUV installed. I said why not turn it on your comprehensive glass coverage. Blank look response! Then I told him it's cheap for $100 deductible. I them told him it only cost me $100 for a $1,500 OE RAM windshield. I'm thinking he called his agent the next day.

It’s unfortunate that some don’t understand or don’t take the time to understand what they’re paying for and/or subsequently get mislead.
And the insurance industry is right up there with takin your money and not giving the best value for it.
Case in point recently, our insurance carrier, been good, no real issues with them, but a rate hike on something prompted me to dig into the whole policy. Hadn’t done that for about 5 years.
Got another quotes for comparison and working with our current company/agent somehow our whole policy went down almost 2 grand per year!

Grit dog wrote:
It’s unfortunate that some don’t understand or don’t take the time to understand what they’re paying for and/or subsequently get mislead.
And the insurance industry is right up there with takin your money and not giving the best value for it.
Case in point recently, our insurance carrier, been good, no real issues with them, but a rate hike on something prompted me to dig into the whole policy. Hadn’t done that for about 5 years.
Got another quotes for comparison and working with our current company/agent somehow our whole policy went down almost 2 grand per year!

They figure at a certain year you really don't pay attention the the policy price and start bumping it beyond the normal cost increases.

Yup 10-4. I find we’re either switching carriers or the existing carrier is making changes every 4-5 years.
Sometimes they’ll play. Sometimes they don’t.

Being with my in-laws here currently, I totally understand how these types of things are especially confusing for folks who may be gettin up there in age.
Heck, it’s probably not easy for some others as well.
But literally nothing will be resolved until the insured understands the terms of their policy.
And if unable to by themselves and thinking a runaround is happening from the ins co, then please find someone, a family friend or relative who is well read to help you understand your policy terms.
I’m sorry for your loss/damage and the hassle but there’s a few things at play here that need someone of more sound mind to iron out the options and issues.