Beyond Repair?
So........... yesterday started off as any other normal Saturday. The weather was cool but the sun was out. About mid morning the wind started to pick up. At around 4 o'clock my son came running in...
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I called my insurance broker just now to see how I would be covered under the same situation. They even looked at your photos. I was told it was covered under my home owners personal property coverage since it happened on my property and was not on my truck. If it had been on my truck, it would have been covered under BOTH policies and therefore, the deductible for one would be paid by the other and I would be 100% covered. They said they would pay primarily from the home owners personal property coverage since that policy has the 'full replacement value' clause and the truck policy on personal property doesn't. When calculating what the 'full replacement value' would be, they told me that a quote from a dealer for this year and model would suffice. I was also told all the 'stuff' inside that was destroyed would also be covered, otherwise I was welcome to remove everything in the camper that was not part of the camper as delivered from the factory. Things like my solar panels, batteries, etc could all be pulled prior to them picking it up. Also, the cost to haul it off is also covered and is not considered part of the camper's value; it's a separate part of the claim and is funded on it's own. Since this is covered under home owners policy, there is a clause called 'loss-of-use'. They told me I could rent an RV for up to two years while I was in the process of replacing my camper and those costs were not taken from the funds that will replace the camper.
Read your policy. Do not trust your adjuster to explain it to you. You may find out that your home policy covers your camper, that the cost to haul it off is a separate coverage that won't tap into the camper's coverage and that you are entitled to the rental of a temporary replacement until the camper is replaced for up to two years.
Good LUCK!!
P.S. It pays to buy your insurance from a broker. My broker explained exactly what my policy covers and even sent me the PDF file to my e-mail so I could read it along with her as she explained where in the policy the coverage was identified.
Read your policy. Do not trust your adjuster to explain it to you. You may find out that your home policy covers your camper, that the cost to haul it off is a separate coverage that won't tap into the camper's coverage and that you are entitled to the rental of a temporary replacement until the camper is replaced for up to two years.
Good LUCK!!
P.S. It pays to buy your insurance from a broker. My broker explained exactly what my policy covers and even sent me the PDF file to my e-mail so I could read it along with her as she explained where in the policy the coverage was identified.
