I am not sure I agree with their assessment in that there wasn't a breakdown or malfunction of your electrical system, it was a result of plugging into a faulty electrical system. Not the first time insurance an insurance company balked at a claim. That said, it really depends on where you plugged into. Seems to me, if the electrical source you plugged into was faulty, it would be the responsibility of the owner of that electrical system. Was this at a campground?
No it was at my shop. I mis wired a welder plug for the rv. My 50amp plus is 220, and I thought the 3 prong was too, just with a lighter breaker.. WRONG!
but making a driving mistake vs a plug-in mistake.. but they just don't see it my way. I think I will cancel State Farm and seek a different company.
I assume they require you to be licensed to drive an rv and that you don't have a substantial history of tickets or accidents in order to insure you against driving mistakes.
Did you show them your license as an electrician when you signed up for rv insurance?
They qualified you for one but not the other. If it was a campsite pedestal, you would have a stronger argument as it's a normal expectation that you will plug into a campsite pedestal. Once you deviate from normal expectations, you have to prove you have reasonable knowledge and used reasonable care...the fact you made the mistake, will be used as evidence that you did not.
I am not sure what you mean by "making a driving mistake vs a plug-in mistake".
But if you wired a plug incorrectly and then plugged your RV in to it, then I would say that's your fault and not surprising they won't pay the claim. Lots of questions on here about wiring home pedestals and the general consensus is to get an electrician who not only is licensed but familiar with the difference between a welder outlet and one for an RV. As you learned the hard way, there is a difference.
A 50 AMP RV outlet requires 4 wires - 2 hots, a ground - and a 4th wire that is a neutral to split the 240V into 120V. Your RV appliances actually run on 120V. A welder outlet has 3 wires - 2 hots and a ground. So with no neutral to split, you get all 240V.
50-amp RV shore power should REALLY be called a 100-amp service since it does supply 50 + 50 amps, which equals up to 100 amps of current draw but at 120 volts.
