Forum Discussion

nal13's avatar
nal13
Explorer
Jul 20, 2016

My camper is in the river now


In Minong, WI, by the Totagatic River.


Any advice on negotiating with the insurance company. I described the damage to them and they said it's almost always a total loss in that situation. The camper is not accessible at the moment for an adjuster to get there. They said they just need someone to take pictures.
  • Chuck_thehammer's avatar
    Chuck_thehammer
    Explorer
    Jul 20, 2016
    and do NOT forget the things on the rear of trailer..
    and everything in the storage compartments.

    make a LIST of everything damaged or lost. and keep a copy for yourself.

    best of luck with the insurance company.. and DO NOT take there first or second offer. Be Nice.. but say NO.
  • 2012Coleman's avatar
    2012Coleman
    Explorer II
    Jul 20, 2016
    I guess it really depends on your coverage. Were you using it when this happened? Please post back with the outcome. My coverage included full replacement with the current model year if the TT suffered a complete loss for 5 years. This is the last year...

    You can look up the value yourself on NADA
  • Bumpyroad's avatar
    Bumpyroad
    Explorer
    Jul 20, 2016
    I would guess a total loss as water is obviously covering the floor inside. just figure on a reasonable replacement cost/value, depending on age, original cost, etc.
    sorry about the bad luck.
    bumpy
  • nal13's avatar
    nal13
    Explorer
    Jul 20, 2016
    2012Coleman wrote:
    That really stinks...



    Ya, it does. :(

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