WVa flooding got my TH

[NC_Hauler]

Extensive flooding in WVa has us to where we can't get within 10 miles of our TH. We were in Beckley visiting my brother and we got word River was rising 2 to 3 feet an hour. We were 45 mins away from our camper and torrential downpours shut roads down to where we couldn't get to the TH to move it.. Long story short, don't even know if it's on our pad, or washed away... I KNOW it's under water to some extent... I called insurance comany and hope River drops low enough to be able to assess the damage and take pictures for insurance purposes. Rough night for the wife and I . We don't exactly know what to do... Oh, sons camper was also on our lot... Don't know it's condition either.

One never knows what is going to happen. Guess we're now without a camper...between me recouping from the stroke and wife from hip replacement.. This is just about a knock out blow... Don't know what we're going to do at this time.....

Jim

[Splashers3]

Jim,
It may not sound "manly", but those pics make me want to cry....I just kept saying, Oh my...

You're are strong of character, if we weren't on the road in the opposite direction, I'd come and lend a hand.

Keep the faith, brother.

Mike

[NC_Hauler]

richfaa wrote:
We have never met except for back and forth on this forum for a few years . Terrible thing but you seem to be handling it well.Good to hear about your experience with progressive as we have the same plan with them on our 2013 Montana Big Sky. Just hang in there buddy and you will be back on the road in no time.

Thanks Buddy... Will let all know how it works out with Progressive... Going to wait to see what settlement is, then make a decision on another one.. Looking now

Jim

[richfaa]

We have never met except for back and forth on this forum for a few years . Terrible thing but you seem to be handling it well.Good to hear about your experience with progressive as we have the same plan with them on our 2013 Montana Big Sky. Just hang in there buddy and you will be back on the road in no time.

[dwayneb236]

Dano1955 wrote:

DutchmenSport wrote:
All is not completely lost... really! Worst case scenario, the camper is destroyed or completely gone. Here's an opportunity to start fresh all over again with a new camper when insurance settles. Actually, kind of exciting when you think about it!

There again, your camper may have missed everything too. Keep a positive attitude and look for the best, no matter what the situation!

(My neighbor at home keeps telling me he wishes a tornado would take the roof off his house so insurance would pay for a new roof! Now THATs positive thinking!)

Don't need a tornado a good hail storm will take care of it

Our last big hail storm totaled our travel trailer per insurance company. Didn't really matter because we were trading it in for our current fiver. Interesting timing though.

[NC_Hauler]

Greg, thanks buddy(:

[gsbrockman]

[gsbrockman]

Ready for a road trip with ya Jim so we can get you a new UNIT purchased and carry on as "business as usual".... 🙂

[NC_Hauler]

murphysranch wrote:
I don't know you, nor am I familiar with your posts. But I could feel your anguish when you posted two days ago. Strong hugs and good wishes to you and your wife. You both, and your pups and son, will be AOK.

Thank you very much..it's greatly appreciated.


Jim

[murphysranch]

I don't know you, nor am I familiar with your posts. But I could feel your anguish when you posted two days ago. Strong hugs and good wishes to you and your wife. You both, and your pups and son, will be AOK.

[NC_Hauler]

Will talk to adjuster tomorrow and speak to them about the satellite and W/D combo...they were add-on's I purchased and put on by dealer..Will try to salvage some of our personal belongings..Told them I wouldn't tow it anywhere..wheels set under water for at least 12 hrs or longer..no power supply, inverter.no nothing..If I want slides out to get some things, will have to crank out slides..Going to have to dry out..very dark inside and slick as all get outs with silt/mud on the floor and everything sopping wet.

Jim

[NC_Hauler]

Travlingman wrote:
Sorry to hear about your trailer, but glad to hear your family and puppy dogs are good. Sounds like Progressive is going to do you right so that is good to hear.

Enjoy the new rig shopping. Now you will be able to deal on the cost of the rig and not have to do the haggling over the trade in value.

Exactly...going for "bottom line":)

[Travlingman]

Sorry to hear about your trailer, but glad to hear your family and puppy dogs are good. Sounds like Progressive is going to do you right so that is good to hear.

Enjoy the new rig shopping. Now you will be able to deal on the cost of the rig and not have to do the haggling over the trade in value.

[Cummins12V98]

"Best of luck to you!! You're a SUPER nice guy, and I'm hoping things go better than expected."

I completely AGREE!!!

As said best part it's not your home. It's just a thing and now you can find a new thing that will suite you better than that ol wet THING!

Have fun on your shopping adventure.

Your friend!

[Bird_Freak]

Hey Jim
If the washer and dryer and Sat. dish were added by you there should be no problem with you keeping them. On the brighter side, look at all the rehab you will get shopping for a new rig.
Hope your doing well buddy.

[SoCalDesertRid1]

blofgren wrote:

NC Hauler wrote:

SoCalDesertRider wrote:
Not to sound harsh, but it's a good thing there was total destruction of the camper. The insurance company will for sure count it as a total loss and pay out whatever it's current value is, so you can get another one. 🙂

With Progressive, less than a year old, we get full cost. Replacement per the agent, we can probably Salvage the washer dryer combo and the Direct TV HD satellite on the roof. So now we're looking for a replacement

Agree, NO WAY they can't total it... It is trashed with water and mud 5-5 1/2' high.

Yes I'm sure they will total it too. It's certainly a major inconvenience but at least you and your family are safe and sound and that's what counts. I'm happy to hear you have adequate insurance coverage. 🙂

That is great news, NC! Glad they're taking care of it! 🙂

You may have to buy the trailer back from the insurance company, at scrap value, if you want to save the washer and dryer and anything else that is considered to be part of the trailer, rather than loose personal belongings.

Those things that are part of the trailer will be included in the replacement value of the trailer and the total loss payment they make to you. Once they pay you off, the trailer and everything that is part of it that you're claiming (aside from personal belongings), belong to the insurance company, which they will sell to a scrap dealer they have an account with.

When my F350 was totaled in the fire, I bought back the truck, at scrap value, which wasn't much. They subtracted the scrap value from their total loss payment to me and the truck stayed in my back yard, where I'd had it towed to after the fire.

I was very specific not to let the truck get towed to an impound lot. I called my own towing company to come tow it, rather than letting the highway patrol call their company. The insurance company reimbursed me for the tow.

I wanted to keep some parts from the truck that appeared to still be ok and were, to me, worth more than what they wanted for scrap value of the whole truck, since I have another F350 of similar year that can use some of those parts in the future.

You may not want a waterlogged hulk of trailer sitting in your back yard, so you may have to decide if parts you want to save from the trailer are worth the cost of the scrap value and dealing with disposing of the rest of the trailer, once you've stripped it.