Insurance denying claim for ripped floor

jj95 wrote:
I had never heard that the actual policies from USAA were written by Progressive - that is quite interesting.

Bob - that is incredible about your awning. It must be a good gig to be in when you can pick and choose like that. "Ohhh, your awning is white? We don't cover that, as it tends to show dirt more easily, which is a sign of wear and tear and downright neglect, thus why it was damaged when backing in. Thanks anyway, and even though we have not honored your claim or our commitment to you, we will be doubling your premiums because you are now an increased risk."

Its funny - I REALLY didn't want to file a claim anyway - my mom and sister, who both work(ed) in insurance, have told me so many times the dangers of filing claims - rates going up, being dropped, etc. But even they were of the opinion "you don't have a history of claims, the damage needs to be done by pros, and this is what you have insurance for".

Shopping around wont be any fun either, as everyone I talk to is going to say "ohhh yeah, we would have covered that, in fact we would have upgraded your A/C and put on electric jack stands because we love you so much, its too bad you weren't with us".

Call me "old fashioned" or just plain stupid.. but I would never, ever think about filing an insurance "claim" on anything flooring related..

Vinyl (or any other flooring) IS a WEAR ITEM.

Vinyl flooring along with wood will expand and shrink at different rates.. Eventually one or the other will give out one the point of no return happens..

The vinyl flooring DOES NOT NEED TO BE DONE AT A TRAILER DEALER.

Pretty much any home flooring store which has installers will be capable of installing new vinyl flooring in a RV.

If you don't feel comfortable repairing the water damage yourself then have the dealer fix that. Then go to a flooring store and pick out new flooring and have the FLOORING STORE install the new flooring.. It is no different than a home other than some of the tight spaces that they will be working in..

Additionally YOU CAN save some money by removing the old vinyl flooring.. A 6" putty knife and a water bottle "spritzer" will often remove the glued down vinyl (glue used is water based and wetting the exposed paper will allow the glue to soften up).

The only thing is you do need to make sure all traces of old flooring have been removed and surface is smooth (may need a small belt sander), other wise any leftovers WILL show through as bumps in the new flooring.

Take it as like you are upgrading the flooring..