Tornado

Work with your agent, and the adjuster. Your agent should want to keep your business, so he/she should be your advocate.

Good luck!

Check your policy. Most likely they'll give you book value unless you can prove extra value. At least that's my assumption. Insurance companies rarely lose; hopefully you'll at least break even. Were you in woodhaven? So sorry for your troubles. Best of luck!

Sorry to hear this! Glad no one was injured in it, at least. Good luck!

Agree they will give you "book value" although not sure whose book they will use.

brirene wrote:
Check your policy. Most likely they'll give you book value unless you can prove extra value. At least that's my assumption. Insurance companies rarely lose; hopefully you'll at least break even. Were you in woodhaven? So sorry for your troubles. Best of luck!

Not in Woodhaven. They got smacked pretty hard. Camper was at in-laws in Coal City. We live outside town and it missed us by a 1/4 mile. Our family farms took a direct hit though.

Wow! Sorry to hear about your camper. Glad no one was injured.

Unless you have replacement cost insurance they will give you book value minus deductible. Glad no one was hurt.

Check your policy. Mine was full original retail for the first five years.

First thing to do is Document Document Document...

Take pictures of everything inside, outside anywhere. Note all contents completely. Any before pictures you might have, include those too. Record all dates and times of occurrences however minor. If financed, have all financial records up to date. If paid for, dig out all your receipts, including any upgrades you've done. Document every phone call and conversation you have with anyone. Also, if it was in a storage yard, document that location and obtain insurance info from the proprietor even though he'll tell you he's not responsible. Do your OWN research and determine VALUE yourself. This will give you some negotiation material if everything goes south in dealing with the insurance company...we road out a tornado in Matagorda Bay Texas two years ago and our insurance company was easy to deal with.....good luck...Dennis

We had ours totaled in FLA 3 years ago and we received book value.